Five Additional Great Benefits To Using Credit Cards

Today we are going to give you five benefits to using credit cards over cash

. While its important to stress that you never over extend yourself with a credit card, responsible use of a card can offer great benefits to you.

1. Record-keeping: When you use credit cards, you will receive statements that provide written records of your purchases.

2. Making purchases online and over the phone: Credit cards open up the doors to the world of online purchasing.

3. Identification: Credit cards are accepted as identification in many situations.

4. Bonuses: Some credit card issuers offer you special bonuses for getting one of their cards. Types of bonuses include rewards points, cash, airline flights, and hotel rooms. CreditNowUSA.com provides information about the bonuses offered by different cards so that you can compare them easily.

5. Large purchases: When you need to buy high-ticket items, such as appliances, it can be convenient to charge them on credit cards and pay for them later.

Many people have blemishes in their credit history. All it takes is one forgotten bill, or a temporary financial issue that causes you to miss a payment. Sometimes, the blemish isnt your fault at all, but the result of an error the creditor or credit bureau made. Credit repair can help you clean up your credit report and boost your credit score. However, there are some limitations in what credit repair services can do.

Nearly 80 percent of credit reports have errors. One-quarter of these errors are so severe that they impact consumers ability to borrow money, rent a home or get a job. The more credit activity you have, the more likely it is that your report contains an error. Credit repair can identify these errors and have them removed from your credit report.

The types of errors that frequently occur include attributing accounts to the wrong individual, failing to remove derogatory items older than seven years (or 10 years, in the case of a bankruptcy) and failing to update accounts that were in collection but now are current.

Another way credit repair can help is to dispute derogatory items on your behalf. The creditor must investigate the items you challenge within 30 days. If the creditor is unable to verify the items, the credit bureau must remove them from your report.

As helpful as credit repair can be, there are some things it cant do. For example, no credit repair service can guarantee it will remove all negative information. Its not possible to erase bad credit, per se, if the information is accurate. In addition, the credit repair company is prohibited from creating a new identity for you by applying for an Employer ID number for you to use in place of your Social Security number.

If credit issues threaten to interfere with your ability to borrow money, move to a new home or get a new job, visit http://www.CreditNowUSA.com. We offer safe and reliable options for getting your credit back on track.

For more information, go to Credit Cards at http://www.creditnowusa.com/Credit-Cards

by: Money Lender

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