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Credit Cards

Though a credit card can be a great financial tool, there is also the potential for misuse of that tool. It can be more convenient to carry a credit card to pay for purchases and the protection offered consumers on purchases made with a card could be attractive. On the other hand, if not used with care the debt may add up to more than you can repay which will damage your credit rating and cause credit problems that can be difficult to overcome.

Most people find their mailboxes stuffed with offers from credit card companies. But just because they invite you to apply does not mean you will be approved or that it is a good idea for you to apply for one. How do you know if you can handle plastic responsibly? On this site you can access articles that outline the requirements and some tips on using this convenient way of paying for items and building your credit. You will also find information on:

· How to establish a good credit history
· What to do if your application is denied
· How to get the best deal in credit cards
· The different kinds of credit cards
· How to protect your credit
· Being a responsible credit card owner
· Federal laws that offer consumer protection
· More information

We hope you will find this information useful in explaining your rights and responsibilities.

For More Information

The federal government provides a measure of protection for the consumer thorough the Federal Trade Commission (FTC). The FTC works for you, the consumer, providing information and legal protections to prevent fraud and deception. Through the FTC you can access over 150 publications on line at www.ftc.gov, by writing to the Consumer Response Center, Federal Trade Commission at , 600 Pennsylvania Avenue, NW, Washington, DC 20580, or by calling 1-877-FTC-HELP.

The Consumer Information Center (CIC) publishes the Consumer Information Catalog, which lists more than 200 booklets on many subjects, including credit. To review the entire catalog and the complete text of the booklets on line go to www.pueblo.gas.gov, or request a printed booklet from Catalog, Consumer Information Center, Pueblo, CO 81009, or call 719-948-4000.

American Express also offers free consumer booklets on a variety of credit subjects. To order, contact: American Express, P.O. Box 4635, Trenton, NJ 08650-4635. For more information about students and credit, visit https://www124.americanexpress.com/cards/loyalty.do?page=bluestudent. Or access American Express Company at www.americanexpress.com.

American Express Educational Loans helps students and parents secure the financing they need to pay for a college education. Educational Finance Specialists are available 7 days a week, from 9:00 a.m. to 11:00 p.m. Eastern Time, to explain your financial aid options and walk you through every step of the process. For information on your college financing options, call 1-888-756-4643. Or visit www.americanexpress.com/.

The preceding information was prepared with the assistance of the Consumer Information Center and the Federal Trade Commission. 

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