This holiday season, max out your time with family and friends, not your
credit card limit
freecreditscore.com™ ideas to help make holiday travel spending less stressful
COSTA MESA, Calif., Dec. 13, 2012
COSTA MESA, Calif., Dec. 13, 2012 /PRNewswire/ -- The tickets are purchased,
the gifts are wrapped, and itineraries are finalized as consumers get ready
for one of the year's busiest travel seasons. freecreditscore.com™ ^ suggests
consumers help themselves this year by keeping a watchful eye on holiday
travel expenses, reducing the potential for post-holiday financial stress.
"We know that consumers typically spend more this time of year, using their
credit cards to help offset the volume of purchases," said Ken Chaplin, senior
vice president of marketing for freecreditscore.com. "Because of that, it's
even more important to understand the factors that affect a credit score, such
as a missed payment or a high debt ratio."
Here are a few guidelines to help keep holiday travelers jolly:
oRudolph with your nose so bright, notify your bank tonight
Before embarking on a holiday vacation, notify the bank of travel dates to
avoid unintentional freezes to accounts. Banks have begun enacting more
stringent identity theft protection procedures for their customers,
including monitoring for irregular transactions occurring out of city, state
or country; larger spending amounts also can trigger a freeze. The last
thing any traveler wants to encounter is an issue with his or her credit
cards while on the road.
oGive yourself a gift and use credit cards with lower interest rates
Review your credit cards' interest rates and fees before determining which
cards should accompany you on your winter escape. Cards that have lower
interest rates and that offer travel rewards are ideal to use for big
purchases. Travelers who are going abroad for the holidays should be aware
of any currency conversion fees and opt for processing purchases using the
local currency option to save money and keep their budget on track.
oPlanning ahead keeps credit cards "fiscally fit" after the holidays
Many people don't think about losing the extra pounds they gained during the
holidays until it's time to make New Year's resolutions. The same can be
said for getting finances in shape following holiday spending. Using tools
such as online calculators can help determine the estimated amount and rate
of paying off credit card debt, saving potentially hundreds of dollars in
Keep your holiday finances in check by monitoring your credit score by
enrolling in a product like freecreditscore.com. Consumers can access their
credit score at no cost for seven days, while also gaining access to
additional finance tools and resources. After seven days, a monthly fee
membership is charged.
Additional information about credit and credit scores is available at
freecreditscore.com is part of a family of online consumer credit reporting
sites belonging to ConsumerInfo.com, Inc., an Experian company.
ConsumerInfo.com, Inc. was founded in 1995 to give consumers quick, easy and
inexpensive access to their credit profile. It is now the leading provider of
online consumer credit reports, credit scores, credit monitoring and other
credit-related information. ConsumerInfo.com, Inc. provides credit monitoring
to its more than 3.1 million members and has delivered more than 20 million
credit reports on the Web. As part of the Experian family, it continues to
grow its membership base and develop innovative products to help consumers
better understand and manage their credit.
Experian^® is the leading global information services company, providing data
and analytical tools to clients around the world. The Group helps businesses
to manage credit risk, prevent fraud, target marketing offers and automate
decision making. Experian also helps individuals to check their credit report
and credit score, and protect against identity theft.
Experian plc is listed on the London Stock Exchange (EXPN) and is a
constituent of the FTSE 100 index. Total revenue for the year ended 31 March
2012 was US$4.5 billion. Experian employs approximately 17,000 people in 44
countries and has its corporate headquarters in Dublin, Ireland, with
operational headquarters in Nottingham, UK; California, US; and Sao Paulo,
For more information, visit http://www.experianplc.com.
Experian and the Experian marks used herein are service marks or registered
trademarks of Experian Information Solutions, Inc. Other product and company
names mentioned herein are the property of their respective owners.
1 323 202 1075 (office)
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