Chapter 4: Managing your cards

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Managing your credit cards can provide great benefits if you do it correctly. Here’s how to keep your credit in tip-top shape.

Keeping your credit rating as high is it can be is a worthwhile goal. The place to start that is with the management of your credit cards. This chapter will show you how to read the monthly statement, how to request a lower rate, the necessary steps to take to transfer a balance or cancel a card, what to do if your card is lost or stolen, and action you should take when you can’t pay the balance or even the minimum.

What you can expect to learn from this chapter: