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Be cautious about calling ‘900’ or ‘976’ telephone numbers. Calls to numbers with ‘900’ or ‘976’ prefixes cost money. Don’t confuse these exchanges with toll-free ‘800’ or ‘888’ numbers. If you dial a pay-per-call number mistakenly, contact your local phone company immediately. They may be able to remove the charge from your bill.

If you applied for a loan and were turned down, you are entitled to a free copy of your credit report, but you must request a copy by writing the correct credit bureau within 30 days of the rejection. With your request, you should include a copy of the declined loan application.

Fair Credit Billing Act. This federal act protects many credit rights, including your rights to dispute billing errors, unauthorized use of your account, and charges for unsatisfactory goods and services.

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Both the minimum monthly payment and the account balance are stated on the credit card statement. The monthly minimum percentage can be calculated by dividing the minimum monthly payment by the account balance.

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Even with joint accounts, one person is considered to be the primary account holder. The account will stay open as long as there is a balance on the account.

If you have a good credit rating and want to save money then low interest credit cards are your best bet. If you find that your spending habits have you carrying a balance every month, the sooner you have your low interest credit card, the sooner you will start saving.

You can also take your balance at a card company charging you a high interest rate and transfer it to another company with a lower rate.

Finance Charges: The term sounds confusing, but this is actually the most obvious of the charges on a credit card account. It is the interest charge on your account balance based on the fixed annual rate.

If you are one of the few people that pay their credit card balance in full each month credit card rewards are perfect for you. Since you are paying your balance in full, a low interest credit card does not benefit you. Credit card issuers have credit card rewards programs designed specifically to attract the business of individuals who manage to pay off their balances every month. Reward credit cards can be further categorized into the benefits they offer. Some offer airline miles, cash back or other discounts on merchandise. If you are having difficulty choosing which credit card rewards best suit you, take a moment to think about your lifestyle. If you are like me and have young children, a rewards credit card offering cash back is the best choice. Those who do not have children may be more inclined to travel and airline miles may be best for you. No matter what your life situation, you will find a wide selection of reward credit cards to best fill your unique needs.

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Refunds of Credit Balances. When you make a return or pay more than the total balance at present, you can keep the credit on your account or write your issuer for a refund — if it’s more than a dollar. A refund must be issued within seven business days of receiving your request. If a credit stays on your account for more than six months, the issuer must make a good faith effort to send you a refund.

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Agreement. Your card issuer will send you a cardholder agreement that describes the terms that apply to your card, including the interest rate charged, method of calculating interest and any transaction fees.

Looking for a better credit card? Check rates in your area.

You can cut interest and pay off your balance quicker just by freezing your minimum payment. If your current minimum payment is $150, then commit yourself to paying $150 or more each month until your card is paid off. Your card company will drop your minimum payment requirement as you chip away your balance. Ignore it. Stick with your frozen minimum payment and watch your debt melt away.

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