Related Consumer Finance Programs - The following sub-directories of companies offer a wide variety of financial programs to assist you with the management of your finances. Consolidate debt with a consolidation loan or use a debt counseling service or mortgage refinance for help with the consolidation of your charge card debt and other monthly payments.

• Debt Settlement Company - Are you finding yourself unable to meet your monthly budget because of too many credit card payments? Negotiating your debts may or may not be the right choice to get help with your financial situation. Compare programs designed for helping people with similar debt problems.
• Personal Loan Company - Need a smaller loan? Personal loan financing is most often unsecured. Meaning... your home or personal property is not used as collateral and the loan decision will typically be based upon your credit history and your ability to make the necessary payments. Also, this is often referred to as a signature loan.
• Debt Consolidation Help - Consolidate credit cards and other monthly payments with a bill consolidation loan or other form of debt solution.

Taking Charge of Your Credit Cards

24. Know your credit limit and stay below it. There are two problems with going over your card's credit limit. One is that your card issuer will charge you a penalty, which can be expensive, typically about $30 for each instance. Also, exceeding your credit limit may damage your credit score, which may mean higher interest rates, now and in the future.

To be confident you are within your credit limit, Kincaid recommends the following. "Periodically check your balance by phone or online to make sure you stay within your limit," she said. "Also give yourself an extra cushion — either try not to get too close to your credit limit or call the card company to get a higher limit if you anticipate a special need, such as a vacation or major purchase."

FDIC Consumer News is published by the Federal Deposit Insurance Corporation

FDIC Consumer News is produced quarterly by the FDIC Office of Public Affairs in cooperation with other Divisions and Offices. It is intended to present information in a nontechnical way and is not intended to be a legal interpretation of FDIC or other government regulations and policies. Mention of a product, service or company does not constitute an endorsement.

Find current and past issues of FDIC Consumer News at http://www.fdic.gov/consumernews. Refer to this same index to locate the issues that are specially formatted for being reprinted in any quantity.

To receive an e-mail notice about each new issue of FDIC Consumer News posted on the FDIC Web site, with links to stories, follow instructions posted at www.fdic.gov/about/subscriptions/index.html.

Last updated on 8/10/2007

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