Are You Credit Card Smart?
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If your credit cards are getting you into debt, you are not alone. Many people find themselves falling further and further behind financially each month because of these cards.
Credit card debt is the worst kind of debt you can have. This is because the interest rate is compounded every month, whilst with loans it’s only [...]
Advantages of credit card law
Are we safe while using the credit card? Do we have any idea about the law that is being implemented by the governing bodies to safe guard us from the evil practices of the credit card companies? If you try to cushion yourself with the knowledge of credit card law then this article would throw [...]
Why Credit Card Statement Checking Is a Must
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The credit card statement may not be a welcome piece of mail in most homes, but if it is not checked correctly or thoroughly credit card holders could be incurring more costs than they realize.
At first glance the credit card statement can be confusing, but once you know what to look for you can save [...]
Steps to Take to Get and Keep a Healthy Credit Score
Having a healthy credit score is close to being a necessary consumer asset today. If you don’t have a healthy credit score that fact can affect your ability to get a mortgage, rent an apartment and even get a job. Lending institutions, employers and landlords are just some of the people and organizations that can [...]
How to Improve Your Credit Now
Credit score or FICO in the dumps? Need to pick it up fast? Buying a home? Applying for a job? Not to worry; there are a few steps you can take to boost your score fast.
1. Pay off your credit card balance. If this is at all possible, this is the first, last and best [...]
Debt-free = Stress-free
Most of us are no stranger to debt. We go into debt to buy homes and cars, and to get things that we want. These things might make us happy when we get them, but paying for them isn’t so much fun.
When times are tough, it can be difficult to make payments on the things [...]
Say No to Plastic – How to Stay Away from Credit Card Debts
Credit cards are a wonderful invention, right? They help you manage those small financial emergencies and they satisfy the urge for instant gratification. However, those small financial emergencies and retail splurges can get you into a lot of financial trouble quite quickly. Here’s how to say no to plastic.
1. Have a savings account. In fact, [...]
How “Balance Chasing” Can Affect Your Credit Score
If you own a credit card and carry a balance, you may have recently received a letter in the mail from your creditor telling you they’ve lowered your balance. Maybe you originally had a $5000 balance, they cut it down to $3500 and you owe $3400. This is balance chasing.
Balance chasing is when your creditor [...]
Important Steps to Avoid Falling Victim to Credit Card Scams
It seems like everyone today wants to separate you from your hard-earned money. One way that they attempt to do that is through credit card scams. Follow the tips listed below to keep you from being their next victim.
Credit cards are an easy way to pay for items and also to build up your credit. [...]
The Disadvantages of Making Minimum Payments
When you’re living paycheck to paycheck, it can be tough to pay more on your credit card debt than the minimum payment. However, the numbers show that even if you can only afford to pay a few dollars more each month, you will drastically reduce your debt.
Paying only the minimum means you’ll pay more in [...]
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