Credit and Credit Cards

Taking Control over Credit Cards

Sunday, September 10th, 2019

A credit card makes it possible to spend on those extra purchases that you haven’t planned for. It also helps you through the times of emergency. But use of plastic money with indiscretion may place you in hot soup.

Big-Ticket Purchases Can Help Your Credit

Monday, September 4th, 2019

Making a major purchase may give your credit score a boost for two reasons.

Using Local Merchants to Help Get Good Marks on Your Credit Report

Thursday, August 31st, 2019

One of many ways to repair your credit is to approach a local merchant (such as an electronics or furniture store) and arrange to purchase an item on credit.

Rapid Rescoring Services

Tuesday, August 29th, 2019

Rapid rescoring services came about because too many people were losing loans or paying too much interest because of credit bureau inaccuracies. Before you get excited, though, you should learn what these services can and can’t do.

Cleaning Up Your Credit, Without Paying!

Sunday, August 27th, 2019

When it comes to collections, you have a very important right as outlined in the Fair Debt Collection Practices Act: The right to have a collection account “validated.”

Understanding Your FICA Score

Friday, August 25th, 2019

Are you a high risk or low risk credit applicant?

8 Solid Tips When Applying for Credit Cards

Wednesday, August 23rd, 2019

Many people who have had serious financial problems misused or overused their credit cards. The following tips will help you when you apply for credit cards or an increased credit limit.

Credit Card Reward Cards

Tuesday, August 15th, 2019

No matter where you look, there is always a credit card company that is offering reward programs with their credit cards.

Student Credit Cards

Tuesday, August 15th, 2019

Student credit cards can be used the same way as a traditional credit card, although they do come with certain restrictions and limitations that other credit cards don’t normally have.

Some Tips for Improving Your Credit Score

Thursday, May 4th, 2019

The information in your credit report can have a significant impact on your financial future, as can your credit score. This article provides some practical advice for keeping your credit score as high as possible.

Tracking Debit Card Transactions

Saturday, April 22nd, 2019

With all that money at stake, it is vital for every consumer to track their credit card spending and debit card transactions, but a surprisingly high percentage of us never both to balance or checkbooks or reconcile all those debit card purchases.

Credit Card Debt Consolidation

Tuesday, April 18th, 2019

It is all too easy for us to get into debt over our heads, especially when it comes to credit cards. This article focuses on the importance of consolidating, and eliminating credit card debt and becoming debt free.

What to Know About Your Credit Score

Friday, April 14th, 2019

Your credit score just may be the most important three digit number in your life, and this three digit number can have a significant impact on your financial future. It is vital for every consumer to know his or her own credit score, and to take all steps necessary in order to improve it.

Credit Card Balance Transfers

Friday, April 7th, 2019

Transferring balances from high interest credit cards to cards with lower rates can be a great strategy for long term debt reduction, but it is important to use that strategy the right way. Winning the balance transfer game is not easy, but the rewards can be great.

Credit Card Issuers Can Check Your Credit

Friday, March 31st, 2019

Many credit card holders are unaware of the fact that credit card issuers have the right to check their credit scores in midstream, not just when they issue a new card or raise a credit line. The information in your credit report can affect your interest rate and payment terms and any time, so it is important to keep on top of your credit score and know what is in your credit report.

Understanding Credit Card Terms and Conditions

Monday, March 27th, 2019

Credit card terms and conditions can be quite vague, and sometimes one gets the feeling that is the way credit card issuers like it. Regardless of the reason for this vagueness, however, it is important for every consumer to read and understand the fine print on those credit card applications.

3 Drawbacks of Having a Company Monitor Your Credit

Saturday, March 25th, 2019

Should you spring for one of those credit monitoring services that promise to do the work for you?

Prepaid Credit Cards

Sunday, February 19th, 2019

Prepaid credit cards are an interesting choice for those who either do not qualify for, or do not want, a traditional credit card. If you want the convenience of a credit card without the risk of overspending or nasty interest charges, this article is for you.

Credit Card Terminology

Tuesday, February 14th, 2019

The terms used in the credit card industry can be baffling at times. This article helps to demystify some of the most commonly used credit card terms.

Using Prepaid Credit Cards to Teach Your Teens

Monday, February 13th, 2019

Teaching children and teenagers about money is never easy, but it is a necessary part of being a parent. Prepaid credit cards can be quite useful in teaching teenagers about money, and the lessons they learn today will serve them well through the rest of their lives.

Choosing the Best Credit Card for Your Needs

Wednesday, January 25th, 2019

Chances are your mailbox is nearly bursting with credit card offers, and with all these offers to choose from it can be difficult to know which credit card truly meets your needs. This article helps consumers sort through the clutter to find the perfect card for their situation.

Dealing with High Levels of Consumer Debt

Tuesday, January 24th, 2019

It is no secret that consumer debt levels are on the rise, while personal savings rates are falling. This is a recipe for disaster, both for the country and for individual consumers. This article focuses on the best ways to get out of debt and enjoy a debt free lifestyle.

Credit Cards – Playing the 0% Game

Wednesday, January 18th, 2019

Many a smart consumer has been able to use those 0% intro rates to reduce their credit card bills and save hundreds or even thousands of dollars. When playing this game, however, it is important to know the rules. This article focuses on how to win at the game of low interest balance transfers.

The Importance of Checking Your Credit Report

Monday, January 9th, 2019

A personal anecdote that illustrates the importance of checking your credit report - and checking it often!

Repairing Bad Credit

Sunday, January 8th, 2019

There are some things you can do to repair bad credit. While working with a debt consolidation program is one option, you can use many of the same tactics yourself when dealing with your creditors.

The Importance of Your Credit Report

Friday, January 6th, 2019

There are many important documents in your financial life, but few if any are as important as your personal credit report. Your credit report can determine everything from whether or not you qualify for a mortgage to whether you land that job you are seeking.

A Free Annual Credit Report – A Perk to Take Advantage Of

Wednesday, January 4th, 2019

Obtaining a copy of your credit report every year has always been important, but it was also somewhat of a hassle and an expense. A new law, however, has made getting a copy of your credit report every year both free and easy.

Credit Denied

Saturday, December 31st, 2018

This article is about being denied credit when trying to get a car.

Paying off Those Post Holiday Bills

Tuesday, December 27th, 2018

If you’re like most people, you tend to overindulge as the holidays approach. It can be difficult to resist the urge to spend, especially when buying gifts for family members and friends. This article focuses on strategies everyone can use to get a handle on those holiday bills.

Get Control of Your Post Holiday Bills

Monday, December 26th, 2018

While the holidays are a time for friends, family and getting together, they are also a time for overindulgence, both in food and in financial matters. If you feel trapped by those post holiday bills, this article is for you.

Tips for Handling Holiday Spending and Post Holiday Bills

Sunday, December 25th, 2018

We have all succumbed to the temptation to spend too much at Christmas time, and suffered through months of bills as a result. It is important to plan carefully when it comes to the holidays, in order to avoid those post holiday blues.