A higher credit card limit gives its holder the opportunity to charge more expenses while keeping credit-to-debt ratio at a low level. Nevertheless, a higher credit line may encourage unnecessary spending, increasing the risk of bad debt. Let’s talk about how credit cardholders can manage their limit more effectively.

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Do you know what credit report freeze is? Credit freeze was initially introduced in November 2007 and today, it has become a popular service to acquire protection against identity theft and fraud. In this article, let’s discuss the process of credit freeze so you can better decide whether you should freeze your credit or not.

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You’ve ordered a copy of your credit report and you’ve found several late payments listed under your credit history. These late payments will certainly pull down your credit score. As a result, you may find it difficult to get approved when applying for loans or credit cards.

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