Are you in debt but have never thought about paying it off faster by reducing your debt obligations? You should…
I am still on the edge about whether or not to do balance transfers. I have three credit card that have a total balance of $2037.84. I am wanting to it off completely within 6-8 months. [...]
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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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We know that public education today is short on the subject of financial literacy, so unless parents are teaching kids about finances, many youngsters are finding out about good financial decisions the hard way — through making mistakes. I just turned 30, and I wish I had done quite a few things differently. The following [...]
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Identity theft is one of the biggest concerns we have today. When your wallet or purse is stolen, it’s about more than losing the credit card or cash you have; your entire financial well-being is at risk unless you move fast. Here is what you need to do if your wallet or purse is stolen:
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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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This time of year, it is common to receive a rather friendly suggestion that you can skip a debt payment. Some lenders will let you do this just for the month of December (“use the money to ease your holiday budget crunch”), and others will let you skip payments in January as well (“start your [...]
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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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In the recently signed into law Credit Card Accountability Responsibility and Disclosure Act of 2009 (CARD), one of the key provisions is no one under the age of 21 can obtain a credit card unless a parent, legal guardian, or spouse is the primary cardholder (exceptions can be made if the applicant can substantiate certain [...]
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The best advice anyone can give you on credit card fees and APRs is that the easiest way to save money is not to owe money. The conditions in today’s market also mean that you can find a credit card that matches the way you spend. If you maintain a balance constantly, it [...]
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