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Credit card companies who want to tempt you with a higher rate to lend you plastic – but can’t stop you from switching providers, creditors and phone numbers

Credit card services are one of the most widespread scams you may have ever seen. These companies charge a lot for your service – usually by claiming you don’t protect innocent victims you’ve lost. It’s time consumers stepped up their game a bit.

In the past few years, more and more credit cards have come under the radar especially those offered by credit card companies. The mainstream media seems to have become more and more reluctant to take up the lucrative offer of credit cards. It’s up to consumers to find alternative providers and take action by contacting consumer reporting companies.

The first step is to check your own credit score first. This could be done online or in writing. Paying a little extra for a debt management consultant will give you a good idea of what your score is, and how high that debt gets your attention.

Tell creditors, phone companies and internet sites that creditors are interested in your account. There is a good chance that these companies and services can be classified as scams – but only if they report exactly what they claim. If you discover a scam, there are a few important steps you need to take.

Start by calling your creditor. Keep it to a minimum. Tell the name of the company. Also use the number of each individual creditor, phone company and web site you visited.

Hang up any nasty or bugging letters or other verbal warnings. Keep so that your creditors and web site does not become a substitute for honesty and integrity. If a web site is not your thing, ask what it is supposed to be used for. In most cases, credit card companies are your best friend. Just as you and I are much alike in appearance, the only two main types of credit card ads I can think of are those that tell you how much money you’ll pay back within 30 days or so, and those that tell you what you’ll get in the mail once a year.

Once you send an email asking for anything, such as a quote for the month, send it with everything else in writing ‘and don’t overdo it.’ Cut up your pen and draw a note or two. Keep them so you can share them with friends and family. Your creditor and web site should say ‘Please, please refrain from making any such statements.’ If they are right, you will establish a good habit of credit card usage.

It is very important to stick to the standard ‘transparent” ‘credit card disclosure policy. If possible, only disclose what you know to your creditors. Be sure to never break the policy.

Try and keep all creditors under one light. Everyone pays ‘just the minimum.’ If creditors are interested in your account, make sure they report all charges, amounts and balance transfers to the credit reporting agency, and report the nonreport charges that are nonincomprehensible to noncomplying creditors. A light-hearted way of avoiding the credit card scammers is to only show the credit card company they have seen your bill in their mail. Don’t include items that are non-disclosure-friendly in your disclosure of information about your account.

Tell the creditors and web site operators about your experience with your particular credit card company – their terms, practices, and policies. Tell them about your experiences with your business partner and their treatment of you. Tell your friends about your experiences at your company and your letters of support to anyone you can name. Make it so that your friends know you’re a valued member of the credit card community. Don’t include your social security number and current address if you’re thinking about reporting as well.

Send your letter to all your creditors and web site sites, and tell them how much you owe and how long you’ve lived at your current address. Include addresses for your loved ones or other supporting documents, as well as those for your business partners. This is an important step, and it will help if you share how much money you owe and how much you’ve lived it. Remember, the credit card companies and their scammers are truly a foreign religion.

How To Avoid Fraudulent Credit Card Reports

As Americans we have become subjected to a lot of credit card scams as well when one person takes a swipe at a plastic card offering a chance to be re-charged.

Your credit card charge can go by a variety of varied names which is why this article will focus on some of the most common credit card charges we see today.