Understand Credit Cards

understand credit cards

One of the easiest ways to establish and build your credit score is with a credit card. As long as you don’t exceed your credit limit, pay your bill each month, and stay within your budget, you’re on the right track to financial stability. But what if you’re new to the world of credit? How do you know if you’re using your card responsibly?  We’ve come up with a list of some of the most common questions that new credit users have to help you understand credit cards.

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When Should You Call Your Bank?

bank

No matter what bank you’re with, most credit and debit cards have a couple of things in common – they all have a unique card number, a 3 digit card security code on the back, a blank space for the cardholder’s signature, and two phone numbers – a customer service number you can call locally and another international number to call your bank when you’re out of the country.

So when should you call your bank? Do you really need to wait until you’re dealing with an emergency or are there other occasions that warrant you giving them a call?

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