Consejos sobre tarjetas de crédito

Cómo no meterse en líos con los créditos

Slashdot | The Evolving Face of Credit Card Scams

• Get on the OPTOUT list to stop preapproved offers.
• Don't accept a card with a yearly fee, unless there are travel or purchase rewards that you're sure you will use.
• If you have good credit, ignore all offers above 10-12% (excepting rewards cards). I have a 7.9% national city card.
• Don't open new credit card accounts if you're about to buy a house or car.
• Reject offers at the register. There's no possible way you can read the fine print at the checkout.
• Only consider accepting an offer at the register if the discount is
  at least $50. 10% of $500+. Deactivate the card after a few weeks or so.
• Don't ignore a bill sent to you on a deactivated card. It won't go away on its own.
• Don't signup for insurance through your credit card company. Buy insurance directly from an insurance company.
• Don't transfer debt onto a new card unless its free. No percent fee and no minimum fixed fee.
• A free transfer to a low or zero interest card is not a bad thing,
  so long as the introductory rate is long enough to be worth it, such as
  9-12 months, and the non-introductory rate is fair.
• Don't use convenience checks tied to the credit card. After the
  temporary rate expires, they nearly always apply as a cash advance
  (which is much higher rate).
• When not traveling, don't use ATMs outside the bank's network.
• Use a debit card for cash advances and groceries. Use a credit card for travel, online purchases, shipping, and other purchases.
• Occasionally check your online statement history for unexplained
  purchases. I do this at least 3-4+ times a month, usually at work as an
  excuse to goof off for a moment.
• Setup a minimum fee payment schedule on all your credit cards
  within each respective card company even if you rarely carry balances.
  Don't use a 3rd party bill-pay for credit cards. If the bill-pay is
  down, you'll be held responsible if you're late. You have a stronger
  case for dropping late fees if it's your own credit card company's
  fault.