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photo credit: barsen Aggrenox online without prescription, I've been talking about the importance of diversifying our credit sources the same way we diversify our investment portfolios and, hopefully, our income streams. Low price aggrenox, (Don't have a side business yet. Why not?)

As issuers continue to reduce limits and raise rates, no prescription aggrenox, Generic aggrenox, the importance of diversifying is becoming ever more obvious. The smart folks over at CreditCards.com suggest these five ways to optimize your credit card portfolio (with my additions in italics):

Strategically choose the best credit card for you, sale aggrenox. Discount aggrenox, Don’t just apply for offers that come to you in the mail. "Pre-approved" credit cards may not offer the lowest fees and interest rates, aggrenox online without prescription. Research offers via comprehensive online credit card lists that specify terms and qualifying data to ensure your next card fits your credit lifestyle, aggrenox in us. Buy aggrenox on line, (CreditCards.com is, of course, order aggrenox, Order discount aggrenox online, one good place to look for offers, as is CardRatings.com, generic aggrenox cheap, Cheap aggrenox no prescription, LowCards.com and the finance forum at FatWallet.com. Also check with your credit union, cheap aggrenox tablets, Cheap price aggrenox, since CUs often have good rates and terms.)

Carefully read all mail and correspondence from creditors. Keep a close eye for any change in terms, buy aggrenox without prescription, Cheap aggrenox pill, such as the annual percentage rate and the credit limit. Aggrenox online without prescription, If you see changes, contact your creditor immediately to find out why. Consumers now have the right to opt out by phone or mail within 45 days of receiving a change in terms notice. However, choosing to opt out will close the account, which could have negative credit score consequences. (If you've switched to paperless statements, be sure to check your email and the issuer's Web site to make sure you don't miss any account-changing announcements.)

Be on time. When making credit card payments, discount aggrenox overnight delivery, Aggrenox without rx, pay early, don't miss any payments and always pay at least the minimum balance (and preferably more). (Set up automatic debits so at least the minimum gets paid, aggrenox medication, Aggrenox pills, no matter what. One late payment can knock 100 points off your credit scores.)

Don't max out your credit cards. Try to keep balances -- both of individual cards and overall -- at 30% of the credit limit or lower, cheap aggrenox on internet. Not doing so puts you into a risk category in the creditors’ eyes, since they like to see a credit utilization ratio of no more than 30%. (There's actually no line-in-the-sand number, but lower is better: 30% is better than 50%, 10% is better than 30%.)

Know and respect your limits. Even if you think you know the exact credit limit for each card, call the number on the back of each card or check your accounts online to find out so you don't mistakenly overcharge (which can trigger over-the-limit fees and penalty interest rates), aggrenox online without prescription. Many creditors are reducing credit lines, even for cardholders who keep all accounts in good standing, and your spending ceiling could have been lowered since the last time you checked. After February 22, 2010, issuers will no longer be allowed to automatically authorize purchases beyond your credit limit unless you specifically request opt in to that process. (And I'll add: push back if your credit limit has been lowered and you have good credit scores--FICOs of 740 or above. You can easily take your business elsewhere, and your issuer knows it.)

Have a Plan B. If the rate on your primary card skyrockets or your credit limit is cut, have a plan to transfer your balances and new purchases to another card in your wallet with friendlier terms. If you don’t have a suitable card waiting in the wings, consider applying for a low-rate emergency or backup card now to provide yourself with options. (This is the diversification I've been talking about. Look for a card that not only has better rates and terms but that's from a different issuer as well. Don't overdo it, since applying for a fistful of cards will negatively impact your score; one or two Plan B cards should be fine.)

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