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Credit Cards

Banks should reward you for making your payments on time and keeping a modest balance. If your bank wont lower rates, even after paying on time, shop around, compare card offers, catalogue of credit and debit card offers.

 
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If you have credit cards that are high interest rate, it is possible you've paid something late in the past. Banks will raise their existing customers credit cards interest rate for late payments on other credit accounts

Credit Cards Credit Cards from Major Banks

Credit Repair -Raise Your Credit Score

If you've ever applied for a credit card,  personal loan, or insurance, there's a credit report about you. It is full of information on where you live, how you pay your bills, and whether you've been sued, or filed for bankruptcy. Consumer reporting companies sell the information in your report to creditors, insurers, employers, and other businesses with a legitimate need for it. They use the information to evaluate your applications for credit, insurance, employment, or a lease. Inaccuracies in your credit report can cause higher interest rates, longer payment terms and denial of credit.  Improve credit scores.

Credit Reports

Credit Report with Score

The Banks Know Your Credit Score!  Do You?

GoFreeCredit.com

 Bad Credit Information

The common term for a low credit report rating score is bad credit. Bad credit is not forever. Bad credit can be fixed. Credit listings generally lose status after a period of time, usually seven years, and then disappear from your credit report more

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I left my checking account overdrawn for a few weeks. I went to straighten things out with the bank and they told me my account was closed and they reported me to ChexSystems

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