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Pick the offer with the lowest fee structure, as doing so will enable you to build your credit history in the most cost-effective way.

Establishing credit is an important step because your credit worthiness affects the loan terms you get, the insurance premiums you pay and whether or not you can rent an apartment, buy a car or even work in certain jobs.

Using the fax machine or sending a letter only increases the odds of an unsatisfactory or untimely response.

The latest innovation in customer service is the online chat session.

In fact, 72% of consumers prefer to receive communication via email. Over 68% of shopping carts never make it to check out.

A simple, automatic message asking “Hey, can we help you with anything?

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Opinions expressed here are author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.At Wallet Hub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.If you are new to the credit game, you can find both secured and unsecured credit cards for people with no credit on this page (some offers are from Wallet Hub’s partners).” could be the difference between a sale and an abandoned cart. Automatically engage prospective customers once they land on your page with targeted auto-messages.Answer their questions, clarify concerns and guide them into your service.: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable.

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