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"We were in debt for over ten years and were relieved to be able to make monthly payments to CareOne to begin to get our lives back."Deborah J., Conley, GACareOne Customer

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Debt consolidation can lower monthly payments to put more money back in your pockets.


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Don't Forget your ATM and Debit Cards

Unlike credit cards that limit consumer losses to $50, ATM and debit cards don't have any limits and you might be held responsible for all money taken from your account fraudulently! Notify your bank as soon as you know your ATM or debit cards are missing.

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  • Cross-Promotions

    Sign up for promotional e-mails from your credit card company to stay current on special discount offers. Many credit card companies offer special discount promotions when you purchase airline tickets for specific airlines using their credit card partners or a retailer.

  • Lock up the credit card

    It's prudent to have a credit card for emergencies, but don't carry it with you when you go out. Why? Because you'll be more tempted to say, "Charge it" with that plastic in your pocket. Stay out of credit card debt - lock it in the safe deposit box, or hide it in your sock drawer - just don't take it with you.

  • Say "No" to Convenience Checks

    Ask your credit card issuers to stop including convenience checks with your statements. These are not only treated as cash advances and carry exorbitant interest rates, but they're very attractive to identity thieves who will steal mail in search of them. You may have a hard time convincing you're credit card issuers to do this, because it's a big part of their marketing ploy to get you to use more credit, but be persistent.

  • Opt Out of Pre-Approved offers

    Identity thieves love to get hold of "pre-approved" credit card applications, which make it easier for them to apply for credit in other people's names. If one of these is stolen from your mailbox, you'll never miss it. You can opt out of allowing credit bureaus to share your credit data for the purpose of pre-approved offers from credit card companies by contacting each of the three major credit reporting agencies and requesting to "opt out". (Equifax, (800) 685-1111. https://www.econsumer.equifax.com / Experian, (888) 397-3742. experian.com / Trans Union, (800) 916-8800. transunion.com.)

  • Hold on to your Plastic

    Whenever possible, don't let your credit card out of your sight. It only takes seconds for someone to run your card through a "skimmer," which is a portable device as small as a cellular phone that can copy your credit card information. This information can then be copied to a fake card and be used to charge purchases to your account.

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