Beware Credit Card shopping mistakes,

when shopping, we can easily make mistakes because we are not always paying attention to what or who is around us and inadvertently make mistakes. This could be because of our excitement to be shopping,  it could be because we get caught up in all the hype of shopping, also you never know when people behind us could be looking over our shoulder’s trying to see our card info., etc., etc., (just to give an example).

Let’s start by talking about;

Shopping Online at Unsecured Websites

Whenever  shopping online, it’s best to stick to Stores, Companies, and Big Name Retailers,  you know and trust. When using your credit card,  for a  purchase, double-check that the URL (address) of the website starts with “https” and not just “HTTP” The letter “s” lets you know it’s a “Secure Website”. Also check for the “Lock Symbol”  next to the LEFT of the URL, which also lets you know your transaction is secure. Generally, this is another mistake made so beware Credit Card shopping mistakes.

Opening Department Store Credit Cards

Remember,  Each time you open a new store card, a “hard inquiry” is generated on your credit report, knocking down your credit score (FICA). Besides, department store credit cards usually have higher interest rates than national cards such as Visa, MasterCard, American Express or Discover. Be mindful of this, If you’re in the mall and a nice lady behind the counter asks, “Would you like to save 20 percent off your purchase?” it may seem like a wonderful  idea to say yes. But in reality, she’s trying to get you to open a department store credit card for that discount. This is a bad move, especially if you do it frequently. Remember this “Hard Inquiry” fact, => it knocks  your “FICA SCORE” down!

Buy Extended Warranties Beware Credit Card shopping mistakes

If you’re buying  electronics or a tech item, you may be asked whether you want an extended warranty. It’s usually a wise decision  to decline retailers’ insurance: It’s often too costly and provides only limited coverage. So don’t get influenced by the salesman to do so. Please! All they want is your money basically to be able to make a higher commission for themselves. In my opinion, those extended warranties are nothing but a rip-off and aren’t worth their weight in gold for nothing. You can do without those warranties and if you are talked into the purchasing of a policy make sure you get the salesman to give you a clear understanding of what you have purchased. Find out what the process is before signing the paperwork just in case you want a refund if not satisfied later.

Again as a reminder I want you to Beware Credit Card shopping mistakes,

blessings,

George

p.s. Happy Holiday Shopping and be careful about your surroundings while out and about. Everyone will not have your  best interest believe me. 

p.p.s. I look forward in TALKING with you SOON, let’s start Today and we can exchange phone number’s and be as Reciprocal to each other as we can.

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