Want credit? Here are some important things to remember

Buying anything that requires credit is harder than it used to be. Banks who used to send credit card and mortgage refinancing solicitations on an almost daily basis have ratcheted up their lending standards, making borrowing more difficult for the most stalwart of consumers.

Deals, though, are available for financing everything from home equity loans to cars to flat screen TVs. Zero percent financing is still available at times. Experts advise consumers to be cautious. Stephanie Bittner of the Consumer Credit Counseling Service of the Delaware Valley also had the following tips: