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Banking Credit Cards Using A Credit Card Responsibly

Using a Credit Card

Protect your credit record.

• Pay bills promptly to keep finance charges low and to protect your credit rating.

• Keep track of your charges and don't exceed your credit limit.

• Report any change of address prior to moving, so that you receive bills promptly.

If your card is lost or stolen, you are not liable for any charges if you report the loss before the card is used. If the card is used before you report it missing, the most you will owe is $50.

Credit Card Tips

• Shop around for credit card terms that are best for you.

• Make sure you understand the terms of a credit card plan before you accept the card. Review the disclosures of terms and fees that must appear on credit-card offers you receive in the mail.

• Pay bills promptly to keep finance charges as low as possible.

• Keep copies of sales slips and promptly compare charges when your bills arrive.

• Protect your credit cards and account numbers to prevent unauthorized use. Draw a line through blank spaces above the total when you sign receipts. Rip up or retain carbons.

• Keep a list of your credit card numbers and the telephone numbers of each card issuer in a safe place in case your cards are lost or stolen.
   

This information is adapted from "Bound for Good Credit" published by the Federal Trade Commission.
 

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