If a credit card is lost or stolen, it should be immediately reported to the credit card company or bank that issued the card. This is essential so that the customer is not held liable for unauthorized charges on his or her card or if the card us used for identity theft. It can be done by phone, and the card that is lost, stolen or damaged can be cancelled. Most banks or companies have a 24-hour support number that can be called in just such a situation. The customer may be counting on air miles or other perks that they accumulate on their cards, so receiving a replacement card as soon as possible is essential.
The credit report is a file that is kept on each individual that shows their personal credit history. It expresses to prospective creditors, property-owners and occasionally employers how you take care of your financial obligations. Currently, there are 3 major credit bureaus in the United States that keeps a file on each individual.
A credit score has a big impact on the amount of money an individual spends. With a low credit score number, they pay more interest for credit cards, home loans, other debt and for insurance. With a high score, they can save substantially on all types of debt. Consumers can also have a big impact on their score by following a few tips to raise it to a level that will make them look good to lenders.
Loaning money can sometimes be the culprit behind a dissolving friendship between two friends. Therefore, if you're borrowing from or lending money to a friend, think about your relationship first. Money will always come and go, but once a friendship is destroyed, sometimes it's gone forever.
Here is a sample cash advance letter written to a bank. The letter should be written in formal business style, and if there are any forms required by the bank, they should be included with the letter. It should be sent by certified mail and a copy kept by the sender.
Here is a sample cash advance request letter written to an employer. The letter should be written in formal business style, and if there are any forms required by employer, they should be included with the letter. It should be sent by certified mail and a copy kept by the sender.