Equifax Data Breach: If my credit is frozen, can I still use my credit cards?

Want to get more out of equifax data breach credit without the guesswork? Below we walk through the essentials in plain language, with practical steps you can use right away.

Key Takeaways

• As more information becomes available about the Equifax data breach, numerous consumers have questions relating to how it affects them , and their credit , personally.
• Will my credit cards still work if I freeze my credit?
• Worth noting: money expert Clark Howard says the No.
• 1 method to protect yourself from identity fraud is by freezing your credit.

How Equifax Data Breach Credit Really Works

The Atlanta-based credit reporting agency recently announced that as numerous as 143 million people were exposed when hackers exploited a website application to access protected files earlier this year. Equifax, one of three main cogs in the U.S. lending industry, waited six weeks to tell the public, leading to outrage and calls for class-action lawsuits.

One of the main questions consumers are curious about is what happens if they freeze their credit. Can you still apply your credit cards?

Getting the Most From Equifax Data Breach Credit

More importantly, the short answer is yes. Your credit may be frozen, but your ability to make credit card charges will remain unchanged.

All of your credit accounts will stay active and you can apply your credit cards as usual. The difference is that crooks will not be able to open new credit card accounts in your name.

Tips That Make a Difference

Remember that eST with volunteers available to answer YOUR concerns! Call Team Clark @ 404-892-8227.

Frequently Asked Questions

How can I save money on equifax data breach credit?

Compare prices across a few retailers, look for active coupon codes, and time bigger buys around sales events. Equifax, one of three main cogs in the U.S. lending industry, waited six weeks to tell the public, leading to outrage and calls for class-action lawsuits.

Is it worth shopping around for equifax data breach credit?

Usually yes. One of the main questions consumers are curious about is what happens if they freeze their credit.

What should I check before buying?

Read the terms, confirm any code still works, and factor in shipping or returns. Can you still apply your credit cards?.

Smart Ways to Save More on Equifax Data Breach Credit

• Leave items in your cart for a day; some stores send a follow up discount.
• Pair cashback with a coupon so you save twice on the same order.
• Stack a coupon code with an existing sale whenever the store allows it.
• Sign up for the retailer newsletter to catch first time and seasonal discounts.
• Compare the final price including shipping, not just the headline number.

Final Thoughts

Before you check out, line up equifax data breach credit against current promotions and any codes you can stack. Small habits like these add up to real savings over a year.

Originally published at clark.com.