function randNum(range){var now=new Date();var seed=now.getTime()%4294967295;seed=(22695477*seed)%2147483647;return(seed>>16)%range}function tips_cc(){var tip=new Array();tip[0]="Using credit cards responsibly is great for your credit scores. Just keep your balances low and remember to pay the accounts on time each month. ";tip[1]="Opening your first account? Try a secured credit card. This type of credit card can be a perfect choice for first time borrowers.";tip[2]="Use Credit.com's sorting tool to find the perfect credit card. Review credit cards based upon their APR, annual fee, and credit score requirements.";tip[3]="Keep an eye out for annual fees. Credit cards with rewards programs and cards designed for problem credit most commonly charge this fee.";tip[4]="Want to learn more about a credit card offer? Click on the “apply” link and find the “rates and terms” disclosure. This is also called a “Schumer's Box.”";tip[5]="Reward cards allow you to earn points, airline miles, discounts, and cash back for your credit card spending.";tip[6]="Pre-paid credit cards often come with some expensive fees. Be sure to read the fine print before you apply for a pre-paid card.";tip[7]="Credit cards are great to have in an emergency. Having access to credit can help you pay for car repairs, unexpected bills, or medical care.";tip[8]="Student credit cards can be a great way to establish your credit. These cards are designed to accept younger borrowers with no previous credit history.";tip[9]="Looking for a credit card that will help you improve your credit scores? Make sure the account reports to all three credit bureaus each month.";tip[10]="Save time by applying for credit cards that accept your credit standing. Credit.com makes it easy to search offers based upon “credit needed.”";tip[11]="Introductory 0% APR offers are increasingly popular. Just remember to also check what the interest rate will be after that period expires.";tip[12]="Need a higher credit limit? Call your credit card company to ask for an increase. If you've been a good customer, they'll often say yes.";tip[13]="Watch out for international currency exchange fees if you'll be using your card outside the US. These hidden fees can be costly.";tip[14]="A universal default clause allows some creditors to increase your interest rates if you make a late payment on any account, not just theirs.";return tip[randNum(tip.length)]};