We all have an uneasy relationship with credit cards. On the one hand they allow you to shop when you want, they are convenient and they offer a secure way of shopping online. On the other hand, you can suddenly experience a hike in interest rates, get hit with a late payment fee or suddenly find your minimum payment has gone up. This can make owning one a bitter sweet experience. However you can make sure you avoid paying credit card companies unnecessary fees by taking some simple steps to protect yourself. If you want to avoid credit card charges then here are some ideas:
•If you have a credit card balance and you want to transfer it to another lower rate make sure you check the small print. There could be a balance transfer fee which can be as big a charge as 5 per cent of your balance. As credit card charges go this is a massive hit and can be avoided by shopping around
•If you find the interest rate increases you have the right to try to negotiate a lower one. If you have never been a late payer, do not exceed the limit or and have regularly paid more than the minimum requirement they may agree to lower it
•Always pay bills on time. To avoid late payment fees set up a standing order or direct debit and make sure you always cover the minimum payment
•Keep an eye on any letters from your credit card company and read them carefully. Credit card companies often mail notices of increases in fees or interest rates. Be one step ahead
If you have already accrued credit card charges in the past it is possible to reclaim some charges. At Empire Claims we are experts at reclaiming credit card and bank charges.
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