Charging ahead with credit cards

Credit cards are a safe way to carry money. They also provide a convenient record of all your expenses, and you can withdraw cash advances from your credit cards at banks or ATMs as long as you know your PIN (although this is an expensive way to acquire what's essentially a loan). If you've forgotten yours, or didn't even know you had one, call the number on the back of your credit card and ask the bank to send it to you. It usually takes five to seven business days, though some banks will provide the number over the phone if you tell them your mother's maiden name or some other personal information.

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