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Always try to pay your credit card bill early to avoid late charges. That means at least a week before you think the payment is due. Credit card companies use numerous tricks, like changing your due date, to force a late payment, which allows them to charge you a late fee and increase your interest…
Read MoreHaving merchants or their representatives explain the terms of an agreement to you is not a good alternative to reading and researching on your own. Their job is to convince you, not inform you. Whenever possible, gather the advice of impartial experts or study up on the terms you don’t understand.
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