Here are the things that you need to do in order to maintain your good credit score. For more information visit http://www.newhorizon.org/credit-info/8-credit-card-tips-for-2010/ If you are looking for unsecured credit cards click here http://www.newhorizon.org/Info/unsecured.htm

1. Credit Card Suggestions
To Retain
Good Credit
by: wwww.newhorizon.org

2. While the new credit card law offers some
protection to prevent unexpected interest rate
changes, it does not present full protection for
credit cardholders.
To keep a good credit standing, cardholders
need to know the best techniques and stick
by the guidelines.

3. Pay down your charges
● Keep in mind that 30% of your FICO score is based
upon your credit utilization so the lower your credit-
to-debt ratio is, the higher your credit score would be.
● Experts suggest not going above 30% of your
allocated credit.

4. Check your credit card mail
● You can only take advantage of the provision of the new
Credit CARD law if you pay attention to updates sent by your
issuer.
● It’s necessary to understand that your issuer can continue to
increase your current rate as long as you get an advanced 45
days of notice.
● And there is still no cap to the increases.

5. Ask for a higher credit limit.
● A higher line of credit shields you against over-using
or going above your limit so it’s wise to select a credit
card with a reasonable limit.
● If you have an excellent credit standing, call your
issuer and ask if they can increase your existing limit
or lower your rate.

6. Don’t let your account go idle
● If you opt to keep a credit card, make sure frequently
use it on smaller purchases and pay down your full
balance immediately.
● Most issuers charges you inactivity fees on a dormant
account, plus annual fees to keep it active.

7. For more information
about credit card tips to maintain GOOD
CREDIT SCORE http://www.newhorizon.org/credit-info/8-credit-
card-tips-for-2010/
If you are looking for unsecured credit cards
http://www.newhorizon.org/Info/unsecured.htm