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11 Things You Should Know About Your Credit Cards
It’s no news that Americans love their plastic. But with the holiday season coming fast—and as banks raise interest rates in a shaky economy—it’s good to know the ins and outs of credit cards. Like: What should you do if you know a payment is going to be late? The best strategy, of course, is always to pay your bill on time and in full. But when that’s not possible, call your bank to say that your payment will be delayed. Sometimes it will waive a late fee for a good customer. And if you have even a day or so before your bill is due, pay by phone or overnight a check: The cost will probably be less than the late fee. Experts address 10 more common questions about credit cards here: http://www.realsimple.com/realsimple/package/0,21861,1697911-1684343,00.html?xid=weeklynews.