Keep your card safe – It is very important that you keep your cards safe and away from the reach of other people. Place your cards in a bag or wallet close to your body so that it cannot be easily snatched away. If you use a purse, make sure that it is properly zipped so that the cards do not fall off from your purse. Also, instead of carrying all your debit and credit cards with you all the time only carry those that you need.
Be cautious when using your card online – When you use your card to shop online, be careful and make sure that you only use it on websites that are legitimate and offer SSL encryption security for online payments. If the site does not provide adequate security, your card information can be stolen and the same can be used for identity theft or for making fraudulent transactions with your card.
Keep a track of your account – Opt for mobile and email alerts to keep a track of your credit card account all the time. In case of any unauthorized usage of your card you can report it to the bank immediately. You can also access your account online through electronic banking and make sure that you are aware of all the transactions made with your card.
Keep your PIN safe – When you swipe your card at merchant outlets to make payments, you will need to provide a 4 or 6 digit Personal Identification Number (PIN) to authorize the transaction. Make sure that you do not share your PIN with anyone or write it on any piece of paper as it can be stolen and misused.
Shred your statements and other documents – Shred your credit card statements and all other documents that have your card information on them. Your account information can be accessed online and all other details will be available on your card. Even if you forget your password, user ID or PIN you can get them reset by contacting the customer support team of your bank. Hence, it is important that you shred all possible documents that include information about your card.
Inform the bank if your card is lost or stolen – In case your card is lost or stolen, call the card issuing bank immediately and inform them about the same. The customer support representative of your bank will then guide to you to get the card blocked so any unauthorized usage of your card can be avoided. The representative will also inform you about the steps you need to follow to get a new card.
It is a practical approach to tackling all kinds of debt and these agencies offer solutions based on the credit situation of the consumer. People should understand that there cannot be a general solution to everyone’s debt issues as each individual is different. Hence, credit counseling agencies or companies can assist people on an individual basis, based on their ability to make payments, total available financial assets, total amount of debt, annual income and so on. The credit counseling agencies are present in countries around the globe and it is easy to approach any of these agencies when one is in need of their services.
It works for most people as they get to find practical solutions to their debt issues, which they can adhere to. Besides, they help the people in negotiating with the creditors and reaching settlement agreements, which make it possible for the borrowers to consolidate and reduce their total debt in due course of time. Also, the credit counseling agencies can assist the borrowers in applying for loans (both secured & unsecured), which can help them in clearing the debt amounts in a short period of time.
The agency can let people make realistic monthly budget which they can easily adhere to. People who take the help of these agencies can realize their financial goals and manage their money in an efficient and effective manner. In the end, people can find a balance between their expenses and income, and wisely use their available credit, so that they can achieve their goal of getting relief from debt and be financially stable.
Advantages of credit counseling services
- People can achieve better understanding of their credit standing and financial situation;
- They can arrange for the borrowers to make a single payment every month;
- They can also assist in lowering the interest rates of the borrowers;
- People do not have to face the calls of collection agencies and will not have to negotiate with the creditors on their own;
- People will also be assisted in getting loans.
Payday loan consolidation is the solution for individuals who have accumulated huge debts. However, you need to first understand how it works.
The counselor will first evaluate your financial situation. This includes validating loans and ensuring which ones are still active. The company pays off your outstanding debts; so all your loans are rolled into one against new terms. You are then only liable to one credit agency.
A high interest rate is a distinctive feature of this type of loan. A company that works towards consolidation will first look for ways to reduce the rate of interest against which the amount that was loaned to you; thus, your loan is easier to pay back. It can also help you forgo additional charges and fees. To add, they give you sufficient time to payback your loan. So, at a lower rate and more time to pay up, your monthly installments are going to be smaller.
In payday loan consolidation too, you have two options:
· Secured loan consolidation includes securing loans against some value property such as your house or car etc. The rate of interest is low; however, in event of failure to repay, you will lose the property held as a collateral security.
· Unsecured loan consolidation which is offered without requiring a collateral security. The rate of interest is slightly higher than the first option but lower than that charged by payday loan lenders. It is a great option for one with a good credit score.
You can consolidate the loans yourself or get payday loan debt help from companies that offer such services. If you choose the latter, they will handle everything for you right from handling communication with your lenders to paying off your loans.
The bottom line is a payday loan consolidation company does not write off your debts. They work with you and your lender to create a payment plan that is affordable.
Now if you want to get the best settlement soon, you need to choose your payday loan consolidation company with care. You need to make sure the company is registered. This step helps ensure the financial institution is authentic. Be clear about the fees you pay towards the settlement. Payday loan consolidation should be based on your financial situation. The company should not work with a one-size fits all approach. If they force you to accept the terms and conditions in place, avoid the company and look for another. If the company is trying to sell you stuff other than payday loan consolidation services, it is a red flag.
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