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Like paying off your card balance and getting your payments in on time. But there's more to learn to set up your good credit for a lifetime. Might not seem important - but when it comes to credit cards, it's extremely important.

Maintaining good credit depends a lot fact act Atlanta on how you fact act Atlanta use it. The faster you pay your balances, the less interest you'll fact act Atlanta pay.

The more you can shave fact act Atlanta off your monthly balance the better. Paying the minimum means you'll incur maximum interest each month. There's nothing worse than getting your card denied. the free credit report Late fees, like fact act Atlanta interest, add up quickly and could end up making your debt unmanageable. Stay in contact with your credit card provider to learn about fees, limit increases, and special offers. Keep your credit in order so you'll have no problem getting the loan you need. Learn about your rights as a consumer and the best ways to protect your clean credit record. If you're at least 18 years old, fact act Atlanta you cannot be denied a card based on your age, racial background, sex, marital status, religion, fact act Atlanta national origin, or participation in a public assistance program. get free credit A financial institution's fact act Atlanta decision about issuing you a card must be based solely on your credit history and other personal information. Make fact act Atlanta sure you understand your credit report and check it often to verify its accuracy. For a quick overview on the types of information contained in your credit report, visit Practical Money Skills for Life's Reading Your Credit Report.

Never give out your credit card number, address, or phone number unless placing a telephone or mail order, or fact act Atlanta making a purchase online. Be sure online purchases are made fact act Atlanta on secure systems-look for clues such as a lock and key at the bottom left corner of your browser, a URL that begins https://, or the words Secure Sockets Layer (SSL). free id theft protection