Are there delicately purple crescents around your eyes from staying up late to research rewards credit cards? Under the right light they don’t appear to be too bad, but most people will find them ghastly. That is just the way of the world. But don’t worry too much; they can easily be covered up with a good concealer from the drug store, just be sure to blend properly. On the other hand, your late-night research will probably keep making those tinted marks on your face until you arrive at a satisfactory conclusion about what rewards card most benefits you. If you’re also wondering online about what your chances are for obtaining a Yes to an instant approval credit card application, you can easily figure that one out. But you’ll need to know credit score and what’s on your credit report.

Seeing your credit report will give you an idea of the way your character’s coming across to every person that reads it. These days, it’s everyone who’s reading your credit report so it completely behooves you to do all you can to keep it in tip-top shape. Having a credit card or two is great, but overextending yourself is not. There are many credit card applications found online. Credit cards are a great monetary tool if they’re used effectively. If they are not treated with care, the mishandling of credit cards will in all likelihood prove detrimental to your financial standing and credit standing.

Something you must engage in, if you’re really striving to keep your good name as a matter of public record, is online credit monitoring. By monitoring your credit along with the bureaus who are trying their best to never lose your sight of you, you’ll be able to notice any reporting errors that are made. This is important because if you’re going to challenge what’s being said about you, you need to know what’s being said in the first place. Thorough credit monitoring is the tool you need for this. It will also alert you to the fact that your identity’s been stolen. You don’t want fraud to be committed in your name. Stay alert to save your credit.

Sam Walters is a writer living in Los Angeles. Her writing appears in print and online.