Moving to the US from another country is a huge change on many fronts. Even if a person does not have to learn a new language there are still new things to get used to every day.

However careful you are, however often you check a site before you buy anything on it, or however carefully you guard your card there is still a possibility that your credit card information can be hijacked without the physical piece of plastic itself ever leaving your hands.

If you were to make list of things you really never want to lose, or have stolen, your credit cards would probably come in rather high on the list, probably somewhere between your car and your wedding ring.

As more and more people choose to shop on-line, both at Internet stores and on-line auction sites like eBay, as well as purchasing service subscriptions and paying bills on-line with credit and debit cards avoiding on-line credit card fraud has become an increasingly serious issue for both consumers and merchants alike.

More and more people are becoming far more careful with the way they use their credit cards online to prevent them becoming victims of online credit card fraud but with all this extra vigilance they can often forget that offline credit card fraud is still a major concern as well.

As people become more used to shopping online, as well as paying most of their bills on the Internet as well they can become more than a little blasé about Internet security and the specter of on-line credit card fraud.

Credit card companies offer a wide range of credit card products to people from all walks of life, from college students to senior citizens, as a result of which there isn’t a single American family free from credit card debts.

Having to dispute credit card charges can be a nightmare, but if you know your rights, you will be fine. All credit card users will have to dispute credit card charges some time or the other in their lives.

If you want to dispute errors in your credit report, you can do so thanks to the Fair Credit Reporting Act (FCRA) 1970. All you need to do is write a credit dispute letter and the credit bureaus are required to either remove the incorrect entry or prove that it is correct.

Credit cards are convenient, eliminating the need to carry cash around and enabling you to make purchases at several locations around the globe. However, we all need cash every now and then; and whenever you need immediate cash, you can receive a cash advance from your credit card issuer.

If you have just started generating a monthly income and are faced with making a choice between credit and debit cards, you might wonder about the pros and cons of holding either of these cards.

People tend to abuse credit cards so much that they get into credit card debt more often than not. This happens because consumers cannot afford to return the credit limit offered to them on their credit cards.

Once your working life is over and you have reached retirement age a great many things change, but that is especially true of your financial situation. Some people are lucky enough to find themselves in a very rosy situation if they have been planning for retirement for years as all financial planners advise and indeed more and more people over recent years have had the foresight to prepare for retirement and plan to add an additional source of income other than Medicare.

While there used to be a time when cash was king, this is no longer true in today’s society. While cash can still be used at a number of places, there are some areas where you are required to have a credit card. For example, you cannot rent a car without a credit card.

Credit card balance transfers can get a little complicated. A credit card balance transfer is basically when you open a new account for a new credit card and the balance you had on your old card is transferred to your new card.

Virtual credit cards are a great way to ensure the safety of your credit card information when you make purchases online. Credit card fraud is a very popular crime with millions of cases happening each year, the number one culprit for credit card fraud is online purchases.