| Credit is a valuable tool extended by financial institutions and retailers. Learn what credit is; how to choose a credit card and execute good credit card management skills; how to avoid harmful credit practices; and, what are credit reports from the New York State Consumer Protection Board’s resources.
Credit Card Tips and Tools
- Choosing and Using Credit Cards
- This brochure provides consumers with information on how to choose and use credit cards wisely without falling into debt
- Credit Card Debt Calculator -
How long will it take you to pay off your credit card debt? A credit card
calculator is one method of approximating how much you will pay in credit card
interest in addition to the original purchase price of the good or service you
charged on your credit card. Additionally, it will approximate how long it will
take to pay off the current balance due on your credit card
- Credit Card Campaign for Change - Credit card companies are hitting consumers with higher interest rates and other fees without providing them adequate notice. Click on this link to find out how you can join the Consumer Protection Board’s "Campaign for Change" to voice your concerns
- Tips
On Credit Card Terms- Understand the confusing terms used by credit card issuers
Credit Report Information
Debt Collection
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Debts you owe & debts you don't: How to spot and fight illegal debt collections tactics - Some intimidating debt collectors have harassed consumers with threatening phone calls early in the morning or late at night. Others have attempted to collect debts that never existed, or have seized Social Security and Veterans benefits; alimony or child support; and/or other protected benefits from personal bank accounts. This brochure shows you how to spot illegal collection tactics and how the law can protect you
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