Free Credit Card Tips Credit Card Facts   What is APR
You can negotiate with an existing credit card issuer for a lower rate. Call customer service and ask!
Shop around for the credit card that best fits your needs; low annual fee if you pay in full, low interest rate if you carry a balance.
Make sure you understand a credit card’s terms before you accept the credit card.
Pay bills promptly to keep finance and other charges to a minimum.
If you pay late your APR can be raised!
Hold on to receipts to reconcile charges when your credit card bill arrives.
Protect your cards and account numbers to prevent unauthorized use.
Draw a line through blank spaces on charge slips so the amount can’t be changed.
Tear up carbons.
Keep a record, in a safe place separate from your cards, of your account numbers, expiration dates,
and the phone numbers of each issuer to report a loss quickly.
Carry only the credit cards you think you’ll use.

EDIT 4: Uploaded “All 9 FreeCreditReport.Com Commercials.” So go watch it with the 3 new commercials added to the collection. Now. www.youtube.com EDIT 3: You know, you don’t have to remind me that there are new commercials out. In fact I uploaded them, so I think I would know. I’m waiting for all the new commercials to come out BEFORE I make another collaberation. So yeah. Shut up about the new commercials. EDIT 2: Added the lyrics as annotations on the video. Now you don’t have to look in the description for the lyrics!!! Be careful though, the annotations jump around the video a lot so keep your eyes open! EDIT: Oh my God!!! Fine!!! Here are the freakin lyrics! Now stop spamming me with the constant comments and messages to put the lyrics!!! New Job/Pirate Restaurant Commercial: They say a man should always dress For the job he wants, so Why’m I dressed up like a pirate In this restaurant? It’s all because some hacker Stole my identity Now I’m in here every evening Serving chowder and iced tea Shoulda gone to: Free credit report dot com Yee-haa! I coulda seen this coming at me like an atom bomb They monitor your credit and send you email alerts So you don’t end up selling fish to tourists in T-shirts Offer applies with enrollment in Triple Advantage. Dream Girl: Well I married my dream girl I married my dream girl But she didn’t tell me her credit was bad So now instead of living in a pleasant suburb We’re living in the basement at her mom and dad’s. No we can’t get a
Video Rating: 4 / 5

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A step by step video talking about the reality of credit card debt, and how the credit card company’s are really charging you 83.3% interest.

Most debt consolidation companies do nothing better than simply ruin your fico score in order to settle your debt. If you really want to work with an agency that will help you reduce your debt, contact a company member of “CONSUMER CREDIT COUNSELING SERVICES” (CCCS) More info at: sccrealestateuncensored.com/2008/repair-credit-legally-remove-negative-accounts/ micasamidinero.com/2008/reparo-credito-eliminando-legalmente-cuentas-negativas/

Question by Noahs: Bad Credit?
I have a friend with bad credit in California. She lost her job about four years ago and could not pay her credit cards anymore. Until now she is unemployed. Will she go to jail? What will happen to her? Can rent an apartment again? Find a job?

Best answer:

Answer by P J
Don’t you think it is time to find another job after FOUR years.

She will not go to jail but finding a job or housing may be tough.

Sorry Bruce you are wrong it could very well affect her getting a job if a credit report is pulled by the potential employer.

Add your own answer in the comments!

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