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Make sure you understand a plan’s terms before you accept the card.
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Chapter 13: Also known as reorganization, Chapter 13 allows debtors to keep property, like a mortgaged house or a car, that they otherwise might lose. Reorganization may allow you to pay off a default during a three-to-five-year period, rather than surrender any property.
Why do interest rates change?
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What do I if my card is stolen?
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How much can I afford?
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Unauthorized Charges. If your card is used without your permission, you can be held responsible for up to $50 per card.
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What will your tax savings be?
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Keep a record in a safe place separate from your cards of your account numbers, expiration dates and the phone numbers of each issuer to report a loss quickly.
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The annual percentage rate (APR) is an interest rate that is different from the note rate. It is commonly used to compare loan programs from different lenders. The Federal Truth in Lending law requires mortgage companies to disclose the APR when they advertise a rate. Typically the APR is found next to the rate.
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Call at least five dealers for price quotes and let each know that you are calling others.
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