Few Points on Credit Cards

Usually credit card issuers are generous to consumers with high credit scores. If you have high score, you may negotiate with creditors for better rates. If your credit score is not high enough now to get better rates, you may continue to pay your bills consistently, bide your time, and ask again after your credit rating has improved. Remember, if you do not ask, you do not get it.

Your local Credit unions may often offer charge cards with favorable terms. To see whether you're eligible to join any credit unions, visit the Credit Union National Association.

If you have a complaint against a credit-card issuer, you may contact your state attorney general. Visit the website of National Association of Attorneys General to locate your state attorney general. You may also complain to the Office of the Comptroller of the Currency (OCC). Visit OCC's consumer page.