First and foremost you must understand that using your credit card after you’ve received this notification results in your automatic “agreement” to new terms in notice. To prevent these new terms from affecting your account you must stop using that credit card immediately or by date given in notification statement.

The most common modifications to credit card agreements include new APR’s (annual percentage rates), new fees and/or changes to existing fees, or a change to grace period on your account. The grace period is number of days during which any credit used for purchases may be repaid in full without incurring a finance charge.

Not knowing or not keeping track of dollar amount limit on your card is another trap you should avoid. Credit card issuers will allow you to charge a small amount over limit set on your account. However, don’t be surprised when you get hit with an “over limit fee”, usually around $35.00 or higher, on your next statement. Also, be prepared for your APR to be increased if you go over your credit limit.

When you hear word “networking”, what comes to your mind first?

You probably think about going to a job fair or asking all of your friends, family members and acquaintances for jobs.

But if you are currently employed, you might very well have easy access to one of best networks you can have.

Let me introduce you to a different networking concept – that of “inside” networking, “inside” meaning: within your current company or organization.

68% of large U.S. companies have some kind of employee networks, according to Diversity Best Practices group.

Lots of these corporate networking groups are divided into functional categories, like sales, public relations, etc.

You might ask: “but how will I benefit from joining a networking group within my company? Why will this help my career?”

Here are 7 reasons why joining one of your company’s networking group, like “Advertising Leadership Team” will give a huge boost to your career

1, You will have access to company leaders you otherwise wouldn’t through interaction within group and through delivering presentations, and joining in on projects.

2, Active involvement in company decision making process. For example: if you are an integral part of your company’s “Advertising Leadership Team” you will have insight into how decisions are made and you will also have responsibility for success of projects involving that team.

3, You will have access to a huge network of like-minded professionals who are also interested in advancing their career, participating in special projects and learning new skills.