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Ask Savvy: Your Credit Questions Answered

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 an OK interest rate, and making payments is an ongoing 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.



When Should I Cancel My Credit Card?


Can an Authorized Signer Affect My Credit Rating?


How Long Will Bad Debt Stay on My Credit Report?


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


What to Say When Asking For a Lower Interest Rate


Savings Tricks to Pay Off Debt

For my answers to six additional credit questions,

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


How Do I Know If a Collections Agency Is Real?


Should I Cancel Idle Credit Cards?


Why Was My Credit Card Application Denied? Part I


Why Was My Credit Card Application Denied? Part II


Do I Really Need to Know My Credit Score?
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