6. Use your credit card’s secret perks! Before I get into rewards programmes, let me say this: just like with car insurance, you can get great deals on your credit when you’re a responsible customer. In fact, there are lots of tips for people who have very good credit. If you fall into this category, you should call your credit cards and lenders once a year to ask them what advantages you’re eligible for. Often, they can waive fees, extend credit and give you private promotions that others don’t have access to. Call them up and use this line: “Hi there. I checked my credit and noticed that I
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