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"Are You Cardworthy or Cardsavvy?"™
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MAIL OFFERS - Looky!!!

-- Credit card mail offers are carefully selected for you and they are worth a second look. You may be surprised. permalink
If I receive a "pre-approved" credit card offer in the mail does this mean I am "guaranteed" to receive the credit card?
-- No. The "pre-approved" offer is generally based on information in your credit bureau file and means it is highly likely you will receive the credit ... more

CHECK STORE RECEIPTS. Unstupid!!!

-- Check-out clerks can double scan items or you can leave items by mistake at the checkout. Verify your credit card receipt before leaving the store. It's harder to contest errors once you're out the door. permalink
Is there a table or a scale that shows if your credit score falls under poor, fair, or excellent credit?
-- Every creditor has its own standards, but generally a score of 700 or above is excellent, 680 – 700 is good, 650 – 680 is fair and below 650 is poor. permalink

Gift Cards. Expeditious!!!

-- Do not squirrel away a gift card you receive for a rainy day. Some cards expire after a few months or begin to lose value. Check terms before you put it in the sock drawer. permalink
Will closing old credit card accounts help my credit score?
-- This is a tricky one my dear. Having old credit card accounts, even inactive ones, can give you a longer credit history and a better score. more

FUTURE PAYMENTS. Exciting!!!

-- Credit card companies and mobile phone companies are testing a new system to allow you to make purchases by pushing a button on your phone or placing your phone near the credit card machine. permalink
What is the advantage of buying a prepaid gift card from a retailer rather than one issued by a bank that can be used at all retailers?
-- Prepaid cards issued by retailers are usually devoid of any fees such as a monthly usage fee, reloading fee, inactivity fee, etc. The cards issued by retailers generally do not expire. permalink

LOW-BALL SPECIALS. Smart!!!

-- Don't pass up a great balance transfer rate. Just mark your calendar for expiration date and enjoy the ride. permalink
What is the most expensive credit card in the country?
-- The American Express Centurion or "Black" card which was introduced in October 1999. It carries an annual fee of $2500 and offers such perks as ... more
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