As you know, the provisions from the Credit CARD Act are taking effect. Some of these changes definitely offer better protection, but it doesn’t mean that you can just ignore the letters that come through the mail. When it comes to credit cards, you will always need to read the fine print. Credit card issuers [...]
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Jumping on the “information anywhere” bandwagon, Citibank developed an iPhone app that lets customers check their credit card balances anytime. Apart from having it available for free, I like the fact that I can:
Check my account balance anywhere, meaning that I can still see if I’m overspending while waiting in line to pay for a [...]
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When someone refers to a 0% credit card, it’s either a 0% balance transfer card or a 0% purchase card. Both credit cards offer special promotional rates; however, it is essential to understand the difference between the two so you don’t end up getting stuck with unexpected fees and interest charges.
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The holiday season is undoubtedly the happiest time of the year for many people. At the same time, it’s also one of the most costly.
One of the great benefits of having my credit card where I bank is that the credit card balance is right there staring me in the face every time I log [...]
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There is a war raging with regard to which type of plastic to use: debit or credit. While many like cash, it can be inconvenient to carry around large amounts of cash, not to mention dangerous if you happen to have your wallet or purse stolen. Plastic on the other hand has a small [...]
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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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