Are you planning to own a credit card or are you a new credit card user? here are important things that you need to know http://www.newhorizon.org/credit-info/7-need-to-know-credit-card-facts-revealed/ If you are looking for credit card thatb helps you build credit score http://www.newhorizon.org/Info/unsecured.htm

1. 7 Important Credit Card
Facts Exposed
by: www.newhorizon.org

2. ● It's very normal nowadays for people to have a credit
card or two.
● Credit card become part of our current way of life,
something that many people cannot do without.
● If you are planning to apply or already have one, here
are important tips that you should know.

3. 1. All credit cardholders should receive
fair treatment.
● When you received your credit card bill, and you see that something is
inaccurate, disputing those charges is a right that you have.
● The Fair Credit Reporting Act states this right, and thus you should go
through your month-to-month credit card bills to confirm that all of the
charges were made by you.

4. 2. Some secured credit cards do not offer
credit reporting.
● However, there are 3 major credit reporting agencies, some secured credit
cards do not actually report your payments to them.
● Thus, if you wish to boost your credit score, or fix poor credit that you
currently have, confirm that the secured credit card provider sends this
important information to the agencies, an important service that you need
to have.

5. 3. Other costs above and beyond the
interest rate
● Choosing a credit card with a reasonable rate of interest is very important
to do.
● However, because there are other fees associated with most credit cards
today, the interest rate should not be your sole consideration for getting
the one that you choose.

6. 4. Credit cards can vary.
● There are many different types of credit cards out there, including rewards
cards that offer gas rebates, travel rewards or even cash back.
● You can also get secured credit cards, business credit cards, or credit cards
that are only issued to people that have bad credit.
● Whatever card you choose, make sure that it fits your personal needs and
lifestyle because choosing the wrong one may actually make your life more
difficult managing a card that does not work for you.

7. For more information visit
http://www.newhorizon.org/credit-info/7-need-to-know-credit-card-facts-revealed/
Also check our list of credit cards that help build credit
score http://www.newhorizon.org/Info/unsecured.htm