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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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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One of the most important things you can do to protect yourself financially is choosing a good PIN. Your 4 digit PIN (Personal Identification Number) grants unlimited access to your bank account and the consequences can be devastating should that information fall into the wrong hands. Here are some tips on PIN safety and how to protect yourself.
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Many of us stick with the banks that we’ve been with our whole lives (often the same bank our parents bank at or the bank where our first accounts were set up as children.) However, the time may come when you no longer feel that the service you’re receiving is justified by how much you’re paying a month for your account(s) and want to switch to a new bank.
The key thing is to do your research before making any hasty decisions; there’s nothing worse than regretting your choice to move to a new bank after you’ve already transferred all of your money over and closed your old account.
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If you’re looking to open a new bank account, you might want to think twice. Credit unions offer many of the same services as banks, and often with some serious advantages.
Continue reading “All About Credit Unions”