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【COVID-19 Credit Checklist】✍️📋


1. 𝓐𝓼𝓼𝓮𝓼𝓼 𝔀𝓱𝓮𝓻𝓮 𝔂𝓸𝓾 𝓪𝓻𝓮 𝓯𝓲𝓷𝓪𝓷𝓬𝓲𝓪𝓵𝓵𝔂.

Prioritize what gets paid if your income is interrupted or money gets tight due to an extended outbreak: mortgage/rent, insurance, utilities, credit cards, vehicle loans, student loans and other obligations.

2. 𝓒𝓸𝓷𝓼𝓲𝓭𝓮𝓻 𝓪𝓾𝓽𝓸𝓶𝓪𝓽𝓲𝓬 𝓹𝓪𝔂𝓶𝓮𝓷𝓽𝓼 𝓯𝓸𝓻 𝔂𝓸𝓾𝓻 𝓹𝓻𝓲𝓸𝓻𝓲𝓽𝓲𝓮𝓼.

An unintended late mortgage or credit card payment could cause the greatest damage to your credit, on top of fees and a possible increase to your interest rate. Remember that with automatic payments you must have the funds available in your account prior to the date of withdrawal.

3. 𝓓𝓸 𝔂𝓸𝓾 𝓱𝓪𝓿𝓮 𝓸𝓿𝓮𝓻𝓭𝓻𝓪𝓯𝓽 𝓹𝓻𝓸𝓽𝓮𝓬𝓽𝓲𝓸𝓷?

Overdraft protection taps into a savings account, credit card or second checking account if your account has insufficient funds to cover a transaction. This protection could help prevent declined transactions, returned checks or additional fees.

4. 𝓟𝓪𝔂𝓬𝓱𝓮𝓬𝓴 𝓭𝓮𝓵𝓪𝔂𝓮𝓭.

If you live in an area where an outbreak has already hit, or one that is high-risk, have a conversation with your employer and learn what alternative methods may be available to get paid during disruptions.

5. 𝓘𝓷𝓿𝓮𝓼𝓽𝓲𝓰𝓪𝓽𝓮 𝔂𝓸𝓾𝓻 𝓬𝓻𝓮𝓭𝓲𝓽 𝓬𝓪𝓻𝓭 𝓸𝓿𝓮𝓻𝓵𝓲𝓶𝓲𝓽 𝓻𝓾𝓵𝓮𝓼 𝓸𝓻 𝓹𝓻𝓸𝓽𝓮𝓬𝓽𝓲𝓸𝓷 𝓹𝓻𝓸𝓰𝓻𝓪𝓶𝓼.

Some are specific to premium cards. Most credit cards require that a consumer opts in to overlimit fees or a transaction will be declined. You may be subjected to overlimit fees for exceeding your credit limit. This could have negative repercussions on your credit as your score may continue to drop as your balances get closer to your limits.

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