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Financial Times

Great Professional Advice When Dealing With Credit Cards

It is easy to be intimidated by the dangers of acquiring a credit card. This is understandable, but credit cards do not have to be scary. They are very useful when you respect them. This article will give you some great advice for using credit cards.

If you cannot afford to pay cash for something, think twice about charging it on your credit card. While it is fine to use them for items you may afford later, you should avoid using credit to purchase big ticket items that you are going to run into problems paying for.

Should you notice a charge that is fraudulent on any credit card, immediately report it to the credit card company. By doing this, you can help your credit card company catch the thief who is making these unauthorized charges. This will help ensure you are not liable for any fraudulent charges against the card. Fraudulent charges could be reported through a phone call or through email to your card provider.

Go over the fine print. If you receive a pre-approved card offer, make sure you understand the full picture. Always be aware of what your interest rates are, as well as the amount of time you have to pay those rates. Furthermore, make sure you are aware of potential fees or billing grace periods.

Many credit cards offer significant bonuses for signing up for a new card. These bonuses are often conditional, though. You need to review all of the documentation that comes with a bonus offer thoroughly before you sign up. Many times, the creditor will require you to charge a particular amount in a set time to receive the bonus.

Credit card companies state your minimum payment and hope you will not pay more so they can collect more interest on your balance over time. Never pay just the minimum payment. This will help you avoid pricey interest fees in the long term.

Make it your goal to never pay late or over the limit fees. These fees cost you both money and points on your credit score. Watch carefully and don’t go more than your credit limit.

Be careful about making online purchases with your credit card. Make sure to only purchase from a security encrypted site. When a website is secure, your card’s information is as well. In addition, you should ignore any emails that ask you for your card information, because these are attempts to collect your information.

Before you get something online with a credit card, be sure that you can trust the seller. If there is a telephone number on the site, call the number to be sure it is legitimate. You should avoid any merchant that doesn’t list an actual physical address. That is a big red flag.

Hopefully, the advice about credit cards will help you alleviate your unnecessary fear of using credit cards for purchases. When used properly, credit cards are useful, so do not be scared to use yours. Just keep the given advice in mind and you should be fine.…

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Finance Definition

What You Need To Know About Buying Gold

Gold has been valuable for centuries. Gold has been treasured for thousands of years. If you want to start trading in gold, the tips below will help you.

Bullion bars are an excellent investment. They come in weights that vary. You can find them from a half ounce all the way up to four-hundred ounce bars. However, you may have a hard time locating bars that weigh four hundred ounces.

Gold prices fluctuate on a regular basis, so make sure you have up-to-date information about gold prices before selling something. Weigh your gold by karat for the greatest deal. Remember that jewelry will sell at its melt value, not the price the jeweler wants for it.

When selling gold, sell to reputable buyers. There are several ways to find out about their reputation, such as online reviews or Better Business Bureau filings. When you choose the right buyer, you will have a great transaction. Protect your invest and look into these companies.

You never know where you will find valuable gold; places like thrift stores are often great places to discover good deals. If you understand what to look for, you really can find some great deals. People frequently give these things away without understanding their value. If you are smart, you can make a great profit.

When attempting to sell your gold, you want to do your research into the market price. See what others are bidding for gold items similar to yours. This way you have an idea of what you can ask for yours. Always see if you can get a little more than they’re asking if they allow you to negotiate.

When dealing with any gold buyer, make sure you shop around before making any final decisions. You may be surprised at the differences in the offers that you’ll get! Selling your gold to the first dealer you see could result in a very lousy deal. Think about this ahead of time so that you can put the most money inside your pocket.

Talk to a rep at a gold party to see how they figure out the number of karats in a jewelry piece. Quite often, the gold will be stamped. However, at other times, there is no stamp, so a lot of reps use other ways to find out. A way to tell if a gold representative is new and inexperienced is if they use an acid test. This is a simple test used by newer gold dealers.

If you’re not looking to own gold, you’ll still be able to invest in it. It is possible to purchase stocks of gold mining companies, shares in a gold ETF or a mutual fund whose focus is gold. Choosing to own gold means that you must have a secure place to store it.

After reading this article you should be better educated in the investment of gold. Gold is a smart investment and is also wonderful to wear. Take the information and tips from this article and start investing in your own collection of gold today.…

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Financial Industry

Great Advice For Picking A Credit Card

Credit card consumer advice is useful in this day and age. Below are some tips that will increase your knowledge of credit cards and help you to avoid some common pitfalls. Many people have cards, but don’t know properly use them.

Do not close credit card accounts until you understand the impact it may have. There are things that can happen that negatively affect your credit score when you close a credit card account. In addition, if you have cards that make up a large portion of your entire credit history, try to keep them open and active.

Be sure to check your credit card’s terms to see if it charges an annual fee to use the card. You want to make sure that you don’t pay a premium for the credit card. Annual fees for premium credit cards can range in the hundred’s or thousand’s of dollars, depending on the card. If you don’t really need an exclusive card, then you can save money and avoid annual fees if you switch to a regular credit card.

You want to also avoid having to pay over the limit fees, just like wanting to avoid late fees. Both of these are pretty large fees and going over your limit can put a blemish on your credit report. Watch your spending so you don’t exceed the credit limit.

If you have not established a credit history and are interested in obtaining a credit card, it may help to obtain a co-signer. Co-signers can be friends, relatives or anyone with a solid credit history of their own. They have to be willing to state they will pay what you owe if you are unable to pay it. This is a perfect way to start building your credit.

Be smart when it comes to the use of credit cards. Don’t charge more than you can afford to pay back. Before you buy something with your card, be certain you can pay for it in full when you get your statement. When you maintain an ongoing balance, it becomes way too easy to incur greater and greater amount of debt that can be impossible to pay off.

When shopping for a new card, look for one that offers points, has a low interest rate and comes with no annual fee. There are so many credit card companies that a card with annual fees is just a waste.

Don’t start using credit cards to purchase things you aren’t able to afford. Credit cards should not be used to buy things that you want, but don’t have the money to pay for. You will end up paying a lot of interest and your monthly payments might be more than you can afford. Just leave this store, think about it for a couple of days, and then make a decision. If you are still set on buying it, you are probably eligible for the store’s financing program that will save you money in interest over the credit card company.

As the article said in the beginning, it is easy to start getting into debt when you don’t know how to use a credit card. All it takes is too many cards and/or too many costly purchases, and you will find yourself in hot water. It is hoped that the advice in this article can help prevent credit card issues for you and help you remain financially healthy.…