Instead what you need to do is report the email to two different places. You can report it as spam in your email box, but that will not help overall. You also have to take the email and submit it to the fraud department at the police. The more complaints they get the easier it is for the police to track the fraudsters. Until there is a great deal of information the police have very little they can do. Part of why fraudsters get away with credit card fraud comes to individuals turning their eyes from the problem rather than facing it and reporting it. Common sense and awareness can fight fraud easier than anything else.

If you have good credit you can get approval instantly, or you can get it over the phone as well. Once approved the card will be sent by mail to you. With the online approval, you cut down the waiting time in receiving that actual card. This is much more efficient than the old way of written applications that took weeks.  New technology provides us with this kind of instant approval for credit cards.  Historically, these types of cards were only for those with good to excellent credit, so everyone would not qualify for them.  But, with today’s competition in the credit market, some are allowing those with less than perfect credit to have one.  No matter your credit history, take time to at least apply for a few instant approval credit cards.

1.      Shopping online is going to be cheaper than driving to a retail shop, especially if you tend to shop at High Street. When you shop online you can use your credit card to make the purchase.  This will guarantee your purchase is safe if the company is fraudulent or if the item is somehow damaged before you receive it.

2.      Secondly, by shopping online you are able to compare prices on comparison websites thus you can track down the best deal.  By paying less for an item you put on your credit card you are going to be paying less in interest. You can often get an instant decision when you apply for a credit card online.

3.      Some credit card companies offer cash back bonuses for purchases. For example if you buy books, student supplies, pay your tuition with a credit card, you can see cash back.

4.      A few online companies want to guarantee that you use a credit card over sending a cheque, using your debit card, or even Paypal.  These companies may offer discounts if you use a certain credit card.  They may be partnered with a credit card company where they receive deals.  This can save you money.

5.      Your credit card companies may offer coupons to certain stores throughout the year.  Discover and Barclaycard are well known for this.  They can save you money on purchases by supplying a discount code.

The biggest advantage of prepaid credit cards is that you will not have to pay any interest but they do take an annual fee. The fee varies from card to card. While choosing which prepaid card to take, consider the one which has got minimum annual fees. Though these prepaid cards offer no benefits and rewards points, you can search and find that out as some of them do make such offers like free phone calls, etc. You can use this card just like any other credit card and even make online purchases with them.

• Try and make your payments in full, this way you never pay the Credit Card companies any interest.
• If you can’t make the payment in full then make sure you pay more than the minimum due. Most Credit Card companies charge 12 to 13% interest and the minimum due is usually just the interest amount.
• Purchase an expensive item or service right on your billing date, The charge will then show up on your next billing statement and this gives you two months to make the total payment.
• Find Credit Cards that offer low introductory interest rates and transfer your balance from other Credit Cards to the new one.

Here are some of the reasons that you should consider using a rewards credit card:

• Many rewards cards often come with an introductory bonus which can be used to redeem for cash back and gift cards! If the rewards card has an annual fee, it can also be used to offset this annual fee.
• There are hundreds of rewards cards available that come without an annual fee. These rewards cards offer just as many perks as the rewards programs that come with an annual fee of up to fifty dollars. Taking advantage of these cards could save you money each time the card is used.
• Rewards programs are very versatile and allow the consumer to choose between the rewards that they would like to receive between cash back or enrollment into a points program.
• There are rewards programs that allow the consumer to transfer the points earned into other programs of their choice which helps to make the most of the rewards.
• Rewards credit cards allow the card holder to gain something from their spending. It allows the consumer to get something back from being a member of the credit card company and becoming a card holder.