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Skimming
With identity theft being a headline in media of all forms worldwide, awareness and, likewise, fear of identity theft have risen to new heights. Everyone wants to know what it is, how they do it, and how to best protect themselves so they don't fall victim to these terrible crimes. One such method of identity theft, and a common method at that, is known as skimming.
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What makes up your credit score?
A person's credit score is used by money lenders and financial institutions. Your credit score essentially determines how reliable the borrower will be. The credit score can be determined by checking the financial background of the person applying for loan or credit card.
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How to Select a Credit Card
Applying for a credit card can seem confusing because there are so many kinds to choose from: low interest cards, balance transfer cards, instant approval, and pre-approved and pre-paid credit cards...
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Credit Card Fraud
If you open your monthly credit card statement and discover a charge on it that you are quite sure you didn't make, you may be the victim of credit card fraud. It's important to act quickly to prevent further charges and to ensure that, in addition to possible credit card fraud, you aren't also a victim of full-blown identity theft...
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Getting Accepted for Credit Cards
You're surfing the net and a popup ad sends this invitation: “Apply now! Online credit card approval in 4 minutes!” How can you resist? Credit cards are an invaluable asset to your daily activities, offering you flexibility in purchases, super deals, insurance in your travels, and rewards for using them...
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Balance Transfers
Balance transfers are one of the latest offers credit card companies are making in an increasingly competitive credit card market. This is good news for you, if you're shopping for a new or improved credit card...
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Cash Advances
A cash advance is just what it says: you get cash directly from your credit card, rather than making a purchase with the card. Most cards have a limit associated with a cash advance and conditions and fees apply that are different from a usual credit card purchase...
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The best currency for traveling
When you travel, the best currency to carry depends on where you are and how remote is your location—although you'd be surprised where ATM machines are located these days. Still, it's wise to consider before you go whether you need cash, traveler's checks, credit cards, or a combination for your trip...
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Identity Theft
You've just hung up the telephone after an angry exchange with a creditor who claims you owe $1200 for a recent computer purchase, which you know you didn't make. How can that be? You might be the victim of identity theft...
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Lowering Your Credit Rate
Looking for a lower credit card rate? Just phone and ask. It might work. Recent studies suggest that customers with good credit ratings who contact their credit card companies stand more than a 50 percent chance of getting lower rates—just by asking for them...
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