Asset Planning, Inc Blog

The latest from the team.

A Recent Survey Suggests You Can Save Money by Making One Simple Call

Most people assume that things such as, annual fees, interest rates and late fees are non-negotiable when it comes to credit cards. A new survey from creditcards.com is showing us that this is not the case. In most circumstances all you have to do is call your credit card company and ask. The survey asked 952 American cardholders and the majority received what they asked for. The problem is that hardly anyone asks.

Here are the results from cardholders who asked:

  • 87 percent received a late payment fee waiver.
  • 69 percent got a lower interest rate.
  • 89 percent received a higher credit limit.
  • 82 percent had their annual fee waived or reduced.

If you are looking for ways to reduce or eliminate fees on your credit card it doesn’t hurt to call and ask. The worst they can say is no. This can save you lots of money in the long run, if you carry balances on your cards, so it’s definitely worth a call.

Continue reading
  1234 Hits

Checking Your Own Credit Score

 

Everybody knows how important maintaining a good credit score is. Having a good credit score will get you better interest rates on home mortgages, car loans and credit cards. Landlords and even employers are looking at this number when making decisions to rent/lease to you or hire you. With credit being such an important factor in life it’s crucial that you know what your credit score is and checking your own credit score does not impact your credit. Luckily for you there are many new and free credit monitoring services out there to help you do just that. So if your credit needs a little help, don’t despair, check out these free tools to help guide you on the path to great credit!

Creditscorecard.com

 

Creditsesame.com

 

Creditkarma.com

If you choose to sign up for one of these websites they will ask you for personal information to identify yourself to verify that it is in fact you signing up. These websites are all free monitoring services and they will not ask you for any credit card information. They will however send you marketing materials with offers based on your personal information. It seems like a small price to pay in order to be able to monitor and take control of your own credit. Good luck on your journey to overall better credit health!

Continue reading
  1664 Hits

Search Blogs Module

Wait a minute, while we are rendering the calendar
Roth IRA hurricane Dorian September 8 phone April 11 cell phone SIM swap scam Medicare money client portal holidays approach July 6 Mobile Banking Security Tips trust September 30 2020. Kraig Mathias July 4 assets insurance policy clone counterfeits Orange County Superior Court credit score Coronavirus Aid retirement accounts web address markets Social Security parking spots home break-ins president Trump 2017 IRA contributions pet years Flexible Spending Account health care costs self-help topics items retirement planning operations manager home cell phone carriers 900 number cell phone provider consumer spending information Facebook Ice Cream Social interest rates July 3 rd Erin Nelsen records card reader credit card fraud identity thieves vacation fees interest CARES Act Supplemental Security Income credit freeze Part D premiums . Notary Public coronavirus April 18 2017. Victor Dergunov spam phone company debt drive /usb IRS home emergency kit borrowing money birth certificates estate CFP ® portal pet industry April 15 cell phone service provider student loans privacy notices Medicare Advantage EEChecklist-Kits.pdf stockpilingchecklist.pdf September 9 donation items phishing sites retirement settlement options fun atmosphere Facebook profile July weekend fun facts Labor Day D premiums stimulus package clients stock pile offering insurance VOIP landline phones Asset Planning chip-enabled EMV cards pets TD Ameritrade media accounts home emergency preparedness kits news coverage family members non-prescripstion sunglasses FEMA website toilet paper October 1 2020. DNA test kits phone companies team members spread estate planning bottom line illiegal robocallers ice cream event pet donation drive 2018 IRA contributions CERTIFIED FINANCIAL PLANNER exam IRS deadline February 14 checklists Brexit vote policy IRA accounts ID card earthquake app email notifications Medicare Part B premiums Open House credit cards estate planning direction Financial Planning Magazine increase January 10 spring cleaning business hours Retirement Contribution Limits trustee Expired medications Healthcare pet supplies Social Security Administration account numbers vision screening FSA 401K California Lions Friends market turmoil emergency kit life saver paper records health care services blog post check lists home mortgages opt-out Treasury Department car loans 2017 Equifax breach banking people medications flash drive text messages home security Open Enrollment Charles Schwab https :// house sitter summer Medicare plan Wells Fargo customers 70 1/2. Economic Security information tax deadline 2017 TD Ameritrade National LINC Conference “ skimmer ”. COVID -19 virus payments rescue organizations wells Fargo Medicare question Kiplinger Letter Legal robocalls executive order relief efforts credit monitoring service Part B driver license 20 year anniversary tax filing deadlines jury duty Independence Day Orange County tax season privacy settings Medicare Part B gap insurance Puerto Rico Two-Step Verification water … emergency folder cell phone carriers offer Federal Trade Commission website June 29 clients show support prescription eyeglasses partner /owner National Ice Cream month padlock documents Joey Gonzales disaster areas 23 andme memorial Day weekend Affordable Care Act insurance policies asset Planning credit card company cell phones tax returns Amazon emergency kits CA FTB Wells Fargo employees phishing scams tax records contribution limit retirement plans identity theft paperwork clutter tax deadlines Auto insurance Shred paperwork integral member scams investment statements Fox News story donation counts https ://seekingalpha app official certification 4 pm -8pm ice cream notary services earnings fallout breach