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Credit Card Tips and Tricks

Category Credit Cards
When using a credit card, there are a number of important things to keep in mind. This guide contains credit card tips and tricks.
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November 12, 20044 found this helpful

When you have a new credit card, don't sign your name on the back, instead write your driver's license number. The clerk will have to ask you to see your driver's license but that only takes a minute to check. If your credit card is stolen no one can see your signature to use it.

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By Havanagirl

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Ms. Syd Barr - Dunkirk, MD2 found this helpful
December 4, 2000

This is something to think about; your old card is beginning to peel and show wear so you order two new replacement cards with the same numbers ... you may have an embarrassing situation!

True story, the new cards arrived in the mail the day before with a sticker to call a certain number to activate the new cards with the same number and expiration date. We put the new cards aside to call later. We went shopping and made purchases with our old cards; purchases less than $100.00 and had no problem. I dropped my husband off at the automotive repair shop to pick up his vehicle on the way back from shopping and left for home.

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When they entered the credit card, as always, it was rejected. This was the same card that was used earlier in the day. There were people in the lobby waiting to pick up their vehicles also. Embarrassing to have people think you have credit problem when you don't. Fortunately, we are established customers with the company.

Embarrassing to say the least, since "we do not carry a balance." My husband questioned this, they called in and he spoke with a representative at the credit card company who had him verify: mother's maiden name, driver's license number, social security number, and since I was on the card also, my social security number, then it was approved. I don't know if the large amount was a trigger or not. When I later called the company they had no explanation as to why some purchases went through and the other didn't; a glitch in the system I guess!
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The moral to the story, when your "new card" comes in be sure to call and activate the card before going shopping.

Syd B. from Dunkirk, MD

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By 1 found this helpful
April 16, 2013

On the back of your credit card, instead of your signature, write "Photo ID required". That way if it is stolen, no-one could use it (unless they are an identical twin). It's still important to report it lost or stolen, as this would not protect you in a phone or mail order situation.

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November 1, 20042 found this helpful

If you have a tendency to use your credit cards impulsively, try this: put them in a watertight zip-lock baggie. Drop this baggie (sealed shut) inside a larger baggie (or another type of container) that is filled with water. Freeze, preferably at the bottom of a large chest freezer.

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The time and trouble it will take you to dig out the cards and thaw them, should give you a "cooling off" period (no pun intended!) to really think about whether you actually want or need that purchase. By the way: no cheating - the microwave will wreck them!

By Leann D

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By 1 found this helpful
May 30, 2013

Call your credit card company before you leave. Let them know where you're headed and what kind of purchases you are likely to be making outside your normal spending pattern.

Comment Was this helpful? 1
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