All Entries Tagged With: "credit cards"
Practical Ways to Break the Bondage of Debt
Tweet From governments and corporations to individuals, debt is an epidemic. The statistics reported by The Credit Examiner paint a grim picture of the America’s financial health. Americans owe a collective $11.38 trillion. $8.15 trillion in mortgages, $914 billion in student loans, $852 billion in credit card debt and $72 billion in auto loans. Let’s [...]
Good Debt vs. Bad Debt
Tweet The accumulation of debt is can be a necessary evil for personal finances. The majority of us don’t have enough cash on hand to pay for a child’s education or a house. However, a majority of people often let debt grow to dangerous levels. This is due to wanting things now and not putting [...]
8 Tips to Keep Your Credit Card Information Safe When Shopping Online
Tweet How to Keep Your Credit Card Safe Online Using your credit card to buy something online has become an almost daily habit for most people, and it’s especially popular around the holidays. Even so, there are many people who are still uncomfortable with submitting their credit card information online. Their fears aren’t completely unfounded. [...]
Use a Credit Card Responsibly to Earn Rewards While Shopping
Tweet Credit cards get a bad rap, although it is justified. Credit cards can pose a danger to your personal finances if you use them irresponsibly. Unfortunately, this is all too easy to do and it’s why credit card debt is such a problem in this country. Just making a few purchases and forgetting to [...]
Managing Your Credit Responsibly for Financial Gain
Tweet Many people know at least a few people who have struggled with their finances over the years. It may have occurred to you to simply forgo credit cards and loans altogether so that you aren’t tempted to fall into the same trouble. While this may be a noble goal, it may not be the [...]
How to Use a Debt Snowball to Get Out of Debt Fast
Tweet One of the more effective ways to help pay down debt is to create a budget you know you can afford each month for paying off your obligations, and then finding a method for effectively applying that budget. A proven way to accomplish this is the debt snowball. With the debt snowball method, you [...]
Working With a Credit Counselor in a Time of Need
Tweet Credit counselors provide a much-needed service to consumers. Thousands of people are drowning in debt, and they don’t know how to fix a low credit score or get rid of their persistent bill collectors. Credit counselors often teach their clients how to manage money, take care of a FICO score and pay down debts [...]
The True Cost of Credit Cards
Tweet Since their introduction in the 1920s, credit cards have been both a blessing and a curse. For those who know how to use them wisely, these little plastic cards can be valuable financial tools, but for those who do not understand the true, hidden cost behind credit card usage, debt can soon destroy financial [...]
The Ultimate Guide to Credit Card Concierge Services
Tweet Have you ever wanted someone else to take over some of your more complicated responsibilities? Long gone are the days when you would have a butler to take care of everyday needs. Nowadays, if you have certain credit cards, you can simply call your credit card company and have them do quite a variety [...]
Best Credit Cards to Use During the Holiday Shopping Season
Tweet The holiday season is a source of financial stress for many households. As gifts for kids and adults become increasingly tech oriented, the price tags on the season’s hottest and most popular gifts only continue to rise, putting greater strain on already tight budgets. While turning to credit cards to make holiday purchases isn’t [...]
10 Mistakes That Hurt your Credit Score
Tweet We all worry about our credit score., but how many of us actually go out of our way to protect our score and avoid certain decisions that could negatively affect it? During our lives we will face numerous financial decisions that could impact our credit score. Don’t know which actions to watch out for? [...]
What to Do When You Are Turned Down for a Mortgage
Tweet If you are interested in buying real estate but had your application for a home loan rejected, you have options. Plenty of them. Of course you can ask the lending institution why they put the kibosh on your application but they won’t likely tell you the complete story because they are afraid you’ll sue [...]
Citi Diamond Preferred Card – 0% APR
Tweet The Citi Diamond Preferred Rewards MasterCard features a straightforward rewards program. Every dollar you spend earns you one point in Citi’s ThankYou Network. ThankYou rewards points can be redeemed on Expedia flights, hotels and travel packages. Citi Diamond Preferred Rewards MasterCard holders looking for benefits beyond travel can redeem points for retail merchandise and [...]
Blue Sky from American Express® Review
Tweet Reward credit cards are nothing new, and American Express has been offering great rewards cards for years. But there is one card out there that just might be a little better than what you’re used to. A lot of people think of travel cards simply as something for a frequent flyer or business travelers, but [...]
Should You Co-Sign a Loan?
Tweet Let’s say you are approached by a friend or relative asking you to co-sign a loan. Obviously, they assume that they will make good on their loan, pay it in full, and you will never have to worry about it. Being the nice person that you are, you are likely to oblige. But wait! [...]
Receive free email updates and get my free Invest Like a Pro eBook.