Mississippi Credit Cards

The magnolia state is a beautiful place to live and play. Like most states they have had their share of scams, rip offs and other money crimes. With the state of the economy today it is more important than ever to be sure about making decisions when it comes to getting a credit card. Mississippi is educating people on what to look for and what to do if you do have problems with scams.

Credit cards! You hear those words and think, not me they are just out to get me. This is true with the scams and other money crimes but not with all credit cards. When investigating your options for a credit card make sure that you only use reputable companies like your local bank or directly through the credit card company that you contact yourself. Due to the amount of fraud and scams that are out today it is a good idea for you to call them rather than get something in the mail and send off information about yourself and current finances. If you receive calls offering you credit cards you should be wary these can be part of con to obtain personal and financial information from you. One of the fastest growing areas for money crimes is the Internet. Remember the old adage if it sounds too good to be true it probably is.

Credit cards can be a great service when used appropriately. Like any business deal that you make you need to know the ends and the outs of the credit card you want to get. For example the interest rate, late fees and penalties that can accrue, when do you pay a higher interest rate and who or how do you contact the company when there is a problem. Most of this information can be found on the back of your statement. It can be hard to read if it is small type and a lighter color but don’t hesitate to call and have someone go through this information with you and explain anything you don’t understand. Remember you are the customer and should be treated with respect when purchasing a service.

Besides checking with your local bank, check with the better business bureau in your area and the chamber of commerce as these may be able to guide you in the right direction. Prior to obtaining that credit card, check with the State Attorney General Jim Hood’s web site at http://www.ago.state.ms.us/ or call 1-800-281-4418 or 601-359-4230 to see if there have been any problems or complaints with the credit card company that you want to use.

Credit cards can be an asset when used correctly. Most credit card companies have some type of fraud protection for people that have them and can be safer than cash or checks. Of prime importance is knowing whether the company that you are getting a credit card from is a sound and legitimate business. Be sure to ask questions and ask for explanations of things that just are not clear to you. With a little thought and effort you can have the card you need.

Credit Cards for Mississippi Residents

Gold Delta SkyMiles Intro P APR Intro BT APR APR as low as - 9.99% 14.99% 20,000 bonus miles with your first purchase 5,000 bonus miles when you add 2 additional cards to your account At least 1 SkyMile for every eligible dollar you spend Always Double Miles benefit No annual fee for the first year apply online

Bank of America World MasterCard Credit Card with WorldPoints Rewards Intro P APR Intro BT APR APR as low as - 0% N/A No annual fee 0% Introductory APR on balance transfers, check cash advances, and direct deposits for your first 12 billing cycles Earn 1 point for every net retail purchase dollar spent and redeem your points for travel with no blackout dates, cash, and more apply online

Citi Diamond Preferred Card Intro P APR Intro BT APR APR as low as 0% 0% N/A Access to special events and ongoing discounts, plus 24/7 Concierge Service at your fingertips Extra Cash from Citi - a free benefit that gives you access to discounts online apply online