{"id":111,"date":"2017-06-22T12:00:00","date_gmt":"2017-06-22T12:00:00","guid":{"rendered":"http:\/\/www.consumerslaw.com\/blog\/avoid-these-credit-card-problems\/"},"modified":"2020-03-14T15:37:57","modified_gmt":"2020-03-14T15:37:57","slug":"avoid-these-credit-card-problems","status":"publish","type":"post","link":"https:\/\/www.consumerslaw.com\/blog\/avoid-these-credit-card-problems\/","title":{"rendered":"Avoid These Credit Card Problems"},"content":{"rendered":"

Credit cards are useful for a number of reasons. They\u2019re convenient when you don\u2019t have cash on hand, and some cards carry perks like cash back or travel savings. However, you should avoid using credit for emergencies<\/a>, and you should always be sure to make payments in full and on time. Carrying a balance from month to month can result in unruly interest charges that are more difficult to pay off, especially when trying to stick to a budget.<\/p>\n

Credit Score Drop<\/strong><\/h2>\n

Failing to make a payment on time just once could cause your credit score to fall as much as 110 points. Once lost, these points can be difficult to build back up and can make other aspects of your life more challenging. Your overall credit can affect your ability to secure new lines of credit, affect your interest rates, and even hurt your chances of renting an apartment or securing a new job<\/a>.<\/p>\n

Check your Credit Reports<\/strong><\/h2>\n

Always be sure to stay on top of payments and check your credit report regularly. It\u2019s not uncommon for credit reports to contain errors<\/a> or inaccurate information, which could further harm your overall credit. You can request one FREE credit report<\/a> every year from the three credit bureaus – TransUnion, Experian, and Equifax. Check for duplicate negative listings, someone else’s information, and any unfamiliar activity. Dispute any credit report errors<\/a> immediately.<\/p>\n

Seek Free Legal Help\u00a0<\/strong><\/h2>\n


\n<\/strong>Flitter Milz is a consumer protection law firm that represents people in matters concerning credit reporting issues, contact from abusive debt collectors, or have had a vehicle repossession.\u00a0 Contact<\/strong> us<\/a> for a free evaluation of your consumer law concern —\u00a0 whether you had fallen behind on payments or not.<\/p>\n","protected":false},"excerpt":{"rendered":"

Credit cards are useful for a number of reasons. They\u2019re convenient when you don\u2019t have cash on hand, and some cards carry perks like cash back or travel savings. However, you should avoid using credit for emergencies, and you should always be sure to make payments in full and on time. Carrying a balance from … <\/p>\n

Continue reading Avoid These Credit Card Problems<\/span> →<\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[3,4],"tags":[52,38,44],"_links":{"self":[{"href":"https:\/\/www.consumerslaw.com\/blog\/wp-json\/wp\/v2\/posts\/111"}],"collection":[{"href":"https:\/\/www.consumerslaw.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.consumerslaw.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.consumerslaw.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.consumerslaw.com\/blog\/wp-json\/wp\/v2\/comments?post=111"}],"version-history":[{"count":7,"href":"https:\/\/www.consumerslaw.com\/blog\/wp-json\/wp\/v2\/posts\/111\/revisions"}],"predecessor-version":[{"id":1708,"href":"https:\/\/www.consumerslaw.com\/blog\/wp-json\/wp\/v2\/posts\/111\/revisions\/1708"}],"wp:attachment":[{"href":"https:\/\/www.consumerslaw.com\/blog\/wp-json\/wp\/v2\/media?parent=111"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.consumerslaw.com\/blog\/wp-json\/wp\/v2\/categories?post=111"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.consumerslaw.com\/blog\/wp-json\/wp\/v2\/tags?post=111"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}