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Ask Savvy: Answers to 12 Common Credit Card Questions

Credit cards can be your best financial friend and your worst enemy. No matter how organized you are, staying within your limit, finding a card with a fair interest rate, and making payments is a monthly challenge. I get questions every day from readers about how to manage and navigate offers and keep your credit score sky high. Here's a selection of my advice.

1. When Should I Cancel My Credit Card?

2. Can an Authorized Signer Affect My Credit Rating?

3. How Long Will Bad Debt Stay on My Credit Report?

4. Should I Keep a High Limit Credit Card I Don't Want?

5. What to Say When Asking For a Lower Interest Rate

6. Savings Tricks to Pay Off Debt

For my answers to six additional credit questions,


7. What Happens If My Husband Has Bad Credit, or No Credit at All?

8. How Do I Know If a Collections Agency Is Real?

9. Should I Cancel Idle Credit Cards?

10. Why Was My Credit Card Application Denied? Part I

11. Why Was My Credit Card Application Denied? Part II

12. Do I Really Need to Know My Credit Score?
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GummiBears GummiBears 6 years
Thank goodness I paid off my credit cards and I am planning to use them for a good while. But I like the tips offered.
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