Whether we like it or not, having a credit card is essential to a consumer like salt is to food. Many experts tell you that over usage is bad, but life just sucks without it.
But what about those interest rates? With credit easing a little bit and the economy strengthening, the once dependable method [...]
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While researching on these 0% balance transfer credit cards the other day, I accidentally found out that many people actually search for 0% balance transfer for life credit cards. My first reaction was “come on, really? There’s no way anyone in the right mind would offer this.”
But the curious side of me took [...]
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The reward points, the 30 day free loan, and the perks are just excuses to keep that piece of plastic. No matter how much control you have, credit cards are a convenience that you pay for.
I used to think that credit cards are disastrous for the irresponsible but benefit the disciplined. I saw [...]
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I handed him my debt card and the cashier asked if I wanted to charge it credit or debit. Is he insane?
A few years ago when I first got my debit card, I was confused whenever a cashier asked me whether I wanted to charge my card using credit or debit. Debit please, [...]
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When you go out to dinner with friends, one of you will inevitably request to pay the total with a credit card. Sometimes, it’s due to a legitimate reason like not having cash but more and more, it’s due to more selfish ones – rewards or an interest free loan with 0% purchase credit [...]
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I always thought that going out for a meal was a much better social gathering than other types of get-togethers because of the social interaction involved (required). A few days ago, my luncheon with a friend confirmed this idea further.
He told me that he uses many credit cards in order to “snipe” the best [...]
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The Citi Private Pass is one of those privileges that I’ve pretty much ignored until now. Being a Citi card member, I have, without fail, disregarded all mentions of it. Mail that comes through. Trash. Emails that are sent. Delete.
A few days ago, I decided to take a deeper look [...]
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I’ve always thought that credit cards are only evil if you let it. Sure, the interest rates may be ultra high but if you use it responsibly, there is no reason why even bad credit credit cards can’t be good. The key of course is just to pay it off everyday.
Bad credit offers, [...]
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This is a guest post written by Steven Sildon, Managing Editor for CreditCardAssist.com and a frequent contributor in the personal finance community, writing about the pitfalls and practicalities of credit cards, rewards programs, and revolving consumer debt.
With the recent struggles in the economy, more and more people are discovering that credit card companies are drastically [...]
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Sometimes, obvious ways to curb our spending is seldom practiced because we feel embarrassed to try it. We read about them, laugh that it’s probably “just for fun”, and forget about them right after. Yesterday, my friend reminded me that while we might feel funny doing something unusual the first time, it is always the [...]
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Losing a credit card is never fun, but here are some pointers in case it ever happens to you.
Call the credit card company – Most suggest saving all the phone numbers somewhere but how many of us do that and when is that location ever accessible when we find out that our cards are missing? [...]
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Just a quick note before someone falls prey to this. I just received a letter from my Citibank credit card, notifying me that my terms are changing.
In particular, the changes are:
An increase in the variable APR for purchases
An increase in variable APR for cash advances
All APR will be allowed to automatically increase up to 29.99% [...]
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My credit card company told me today that the credit bureau actually treat our credit card limit as debt when they calculate our debt-to-income ratio. It doesn’t matter whether we spend $30 or $3000 if our credit limit is $5000 because they just put $5000 as debt when they look at your credit because [...]
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I am constantly amazed by the creativity of thieves when it comes to ways to scamming people. If we can get those people to apply their ability to constructive activities, the world will be so much better.
Currently in the United States, the credit card companies take the burden off customers for any fraudulent activities. [...]
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