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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Even a banker’s advice could be totally wrong.
I can’t believe what I heard, but a banker told me that carry a credit card balance can improve my credit score. In fact, there are many people who give the same advice – don’t pay your credit card balance in full to raise your score. So today, [...]
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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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During the 0% balance transfer credit cards craze of the last several years, many of my friends were calling me crazy for not taking advantage of free money. The idea was simple. Apply for a few credit cards offering 0% balance transfers, make the transfers to a high yield savings account and pocket [...]
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Imagine with me for a second that you took the advice to freeze your credit cards. You read the article, poured water into a container, dropped the plastic cards into it and then shoved the end product in the freezer. All is good. Months go by, your spending declines, your bank account [...]
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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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Millions fall victim to identity fraud each year. The number seems to be decreasing the past couple of years, but even one is too many in my opinion. To prevent the possible emotional and financial stress of having your identity stolen, just praying that the government and credit report agencies will further improve [...]
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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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2008 was incredible for the blog and I’m happy to say that I’m able to share with more and more of you as the blog grows to new heights! In 2009, I will continue to reach out to more people so if you know of people that may benefit from the writings of this blog, [...]
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