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Welcome back on -- -- in -- heavy.
Got into your holiday shopping and maybe you're sold you're done that I'm Don wrapped and -- thank you very much smaller created a lesson people haven't started or there.
Just beginning to start and so as we're swiping our credit card every time we hit the story taking advantage of all the deals -- door -- we've -- our main findings full -- like that crazy person.
There are some names you should know before you open your wallet and joining us now from Sarasota Florida is -- debt -- The director of consumer education at credit dot com hi -- How are you.
-- I don't what has happened not.
Okay insist that -- -- have it's really weird and always generally I stress if I don't that they don't naturally alright so.
Aside from my crazy session being generally what are some steps that you have that I holiday shoppers can follow to make sure that they do not -- their credit.
As -- trying to get their holiday shopping done.
Yeah it just how much you spent this how IDC and what's important metric tons of how to pay for your -- is it.
Something -- -- to -- -- -- everybody's -- I want because you have additional federal protection that.
They don't send them -- type Christmas is that they promised release candidate it now what does prominent and you can dispute with the credit card company and they can help you.
But the danger of course -- credit cards -- yeah.
What is -- her heart and Easter ho -- you're out of -- -- here here who -- independent credit card back hurts your credit score.
So when she she is we take credit -- -- mean only credit card or are you laughing debit card into that is well.
And -- -- credit cartons Democrats don't reporter and editor -- also don't -- have -- federal protection has credit cards student at.
Still when she consumer know whether they should use credit debit operating cash because many people -- you spend only cash you spent less money stick to a budget a little bit better.
Yeah trader at it and say it again -- credit cards that you're safer later right can't see this is great if you could stay -- to cash budget that's not our problem.
And went well -- quite a bit out at sea and into a lot of -- you -- -- acts or -- or.
Some great reward programs out there quokka.
I don't you write yeah you know me credit cards -- many points or miles or cash back whatever Iran premium.
And again these are approaching credit limit -- picture credit score so we're trying to encourage consumers at credit -- Didn't they.
Credit scoring the -- the a lot of -- about it after being -- now the time to check and make -- -- -- everything she needs due protecting going into the new year that you're ready did you wanna.
OK so how often should we check -- credit reports and I -- our credit scores.
We get credit reports last year annual credit report a comment that federally mandated free credit work that idea from -- experience and its union.
And then credit coming up her truly free credit score and about once loved you for your credit score each month and -- market -- your.
I doing here -- -- how any impact your score.
-- cracked yeah and with -- being ended the year maybe now is a good time to go into 2013.
With as -- latest possible in terms of your credit history on the so some people like to put a little bit here and a little bit there and and put spread their expenses and their charges on multiple credit cards.
Should we do that and if not why not what should be was well what should we be -- -- Yeah it is.
Can receive one Peter that's like you know senator -- I think that's especially true true retail cards and -- -- credit limits in retail Carter I don't know limit when he's spending 250 dollars -- -- it.
Oh yeah not great for your credit score so spreading it out completely from that perspective it.
I think you -- your courses jets were eventually did you have a little -- -- literally the end released in January comes easy and I didn't spend -- -- act.
So you might be smarter to stay tuned to credit cards you have a low interest rate credit card hurt.
Over a couple of better rewards card -- things you can help info.
I -- -- sounds good deals on cohorts currency credit that kind of we just -- just announced it has credit cards America wanted to kind of cheat down I ever heard.
-- could actually about 500 dollars -- total order.
And spend my thousand dollars in the personally I'm -- -- you it's.
Chase sapphire -- tells us how many other I'm shutting down please say anything good credit cards -- and it it rewards programs.
Select ET freedom.
Program that pretty vital records well house I don't want.
I don't wanna ensure -- and a couple of different programs that are today.
And here's an activity people particularly in general market -- premium car because pregnant corporate goal dealt -- -- it's kind of like a lot.
EU -- check pay for each member in your group.
Up to eat people in your reservations so you're looking camera or behind you can 200 dollars her -- went back home.
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Well since they don't exactly you have to -- her for nothing worthwhile.
Jerry this is why people like you are so good so many consumers are too lazy to check all this stuff like myself so we need to be reminded of all the different things are options we have available to us.
But I want that's -- he said earlier let's just say you have the limited store credit card writing and your credit limit is.
500 dollars and I heard you correctly said it it would not be good to approach your limit what do you spend a 500 we've paid off right away is that fat she -- What did it depends on how quickly can -- -- -- issue reports and credit bureaus.
Your credit report is Salmonella as reported by the source to the due date -- Let's 150 I -- I'm -- our car and easy about the what's your credit limit cuts and under credit score one carton you're correct foreign policy works here craft Atlanta Patrick O'Connor and don't you think what has its own sport compact percent of your available credit -- you want -- request your credit report at street paid off or hate -- minute -- so whatever you can on there finance.
-- -- -- -- -- Well just given current quarter to sixty that's -- the -- that's just the ingredients whenever -- -- -- -- credit score courts and look for the -- cracked -- -- -- free credit report card and then.
With credit score ever to what you can -- what it's so let's say you do get it very poor countries C didn't want to hear it you're you're -- -- credit card outnumbered.
They've given we're coming -- -- next month.
It -- your credit score.
Terry thank you so much for coming on -- information.
Thank you credit dot com is a website by --
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