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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I received a check card today through the mail and with it came a list of tips on safe use of the card as well as using the ATM. Some are quite obvious but it’s always a good refresher to make sure we are following good practices. So, let’s take a look at them today [...]
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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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Recently, I started to make bigger purchases around the middle of the month because I found that I can save more money this way. Most of you are probably a little puzzled by what I just said so let me explain this a little further.
Credit cards have a statement date where they will calculate how [...]
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The response to the gas gift card giveaway was simply amazing. If you haven’t joined yet, I suggest you go over there and give yourself a chance to win a free $50 gas gift card! The winner will be announced on August 18th, 2008!
Some readers also asked where the gift cards come from [...]
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