Welcome to CREDIT CARD SMARTS!

Let's face it, in today's world your name is only as good as your credit. Maintaining your credit should be one of the most important things in your life. By browsing "Credit Card Smarts" you will learn beneficial credit tips that will help you build your credit score. Enjoy all of the information that you can obtain from this site.

If you have never had credit before and are finally ready to start building a credit history, this site can help you.

If you have had credit in the past and basically "screwed it up," you may need to re-establish your credit. Let "Credit Card Smarts" help you.

If you have good or excellent credit, we can still help you by sharing the most valuable credit card tips that you can find online. No matter what your situation is, you will greatly benefit from this site.

How Your Credit Score Affects You

If your credit score is high enough you will qualify for a lenders best rates and terms. You will also receive in the mail the best low-rate offers from credit card companies and mortgage lenders who will fight for your business. You also will have great negotiating power if you have a high credit score. Besides getting the best credit cards you'll also get great deals on auto financing, home loans and small business loans. Having a bad credit score of course will get you no where and if you do get someone to offer you credit you can be sure that you will be paying high interest rates and big fees just for the privilege. Having a good credit score not only helps you with loans but it can also determine if you have a roof over your head now and days as landlords now check your credit before renting to you. Sometimes people with great credit scores settle for lousy deals not realizing that they can negotiate better deals so it is very important to know your credit score. Having a great credit score can save you possibly millions in a lifetime. You will pay way less interest, have lower payments on auto loans and home loans and will have more extra money per month to put to other use; entertainment, investments, shopping, etc. You ever wonder why when you have two people in the same financial bracket one seems to be doing fine while the other seems to barely be making it. It all lies in the deals they got, which goes by their credit score.


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