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Learn the Facts
Take charge of your own credit! Read your credit card agreement and understand your limits in order to use credit wisely. Learn the importance of paying on time while paying off balances or even just making more than the minimum payment each month.
Protect Your Credit
Know your rights: protect your personal information, know how to dispute a billing or purchase error and report stolen or lost cards immediately.
Don't Be Afraid to Ask for Help
If you can't make your payments or if you need help with your credit management, don't panic. Contact us and we'll work with you to re-establish and maintain a good credit rating.
Understand Your Credit History
Find out what's included in a credit history report and who has access to it. You can review your credit report from time to time to make sure it's accurate and up-to-date by requesting a copy from one of these national credit bureaus: | 
