When you receive new or replacement credit card offers always make sure you sign them straight away and if the old one is out of date, you cut up or idealy shread it, so the number cannot be read.
If you are sending your payments by mail remember to allow enough time for your payment to get there on time and never send cash. better to repay your credit card offers by direct debit, to ensure you pay on time and miss those late payment fees.
Your credit limit is normally based on information you provide in your application like salary, outstanding debts etc and information on a financial database about yourself.
If you already have credit cards it may still be well worth changing to another card with a lower APR or charges. Even with your credit card offers, the more you pay off each month the more you will save in interest or charges.
