Credit Card Accountability, Responsibility and Disclosure Act
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On May 22, 2009 President Obama signed the Credit Card Accountability, Responsibility, and Disclosure (CARD) Act. The bill went into effect on February 22, 2010. It was a monumental day that marked the turning point for American consumers, who spend about 15 billion in penalty fees each year. CARD finally ends any deceptive practices some [...]
The Benefits of Gas Credit Cards
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Many people use credit cards for daily purchases. Some of the things they purchase are things they want and others are things they need. If you’re one of the millions of people who drive back and forth to work each day, you may be curious about the benefits of gas credit cards. There are credit [...]
Smart Ways to Alleviate Credit Card Debts
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Did you know that according to census data, the average American household carries nearly $8,000 in credit card debt? For some, that’s manageable. But for most households, it signifies a pattern of overspending and paying ridiculous amounts of interest. Being buried in credit card debt is far from uncommon. But that doesn’t mean that’s the [...]
Easy Solutions to Clean Up Your Bad Credit
Bad credit can make life much more difficult than it should be. You may have trouble qualifying for loans and credit cards, and if you do get them, they might have high interest rates. Current creditors might raise your interest rates. You might even have trouble getting a job or signing up for utilities. It’s [...]
How to Correct Credit Report Errors
So you’re checking your credit report; that’s great. It’s the best way to prevent identity fraud and to make sure the report that potential creditors are seeing represents you correctly. It’s also a great way to get a hold of your finances if you’ve been operating in the dark up until now. But what do [...]
Cash Back Credit Card: What Is It?
It seems that every day we hear about the evils of credit cards. We hear horror stories about consumers who rack up mountains of debt, and can’t put a dent in it because of high interest rates. We hear about people having to pay outrageous fees for making late payments. And we hear about card [...]
Should You Use Credit to Cover Education Fees?
If there is one thing that is certain it is that costs will rise. One place that has seen yearly increases is college tuition. Is credit a viable way to tackle these costs? With rising college costs, it is hard for parents to get ahead of the game – especially if they have more than [...]
Use Credit cards and Earn Cash Back Rewards
In the current economy, not many people are applying for credit cards. But if you are fortunate to be able to get one, the type of credit card you choose is important. We don’t mean MasterCard or Visa, but the type of rewards program that the credit card company offers. When applying for a [...]
Tips to Keep Your College Kid Out of Credit Card Trouble
Credit card companies have found a way to trap our kids into the cycle of debt at an early age. They issue credit cards to college students. If you don’t want your child to potentially ruin their credit, here are some tips to keep them out of trouble. Start early with teaching them about money. [...]
Home equity loan; raise your credit score!
Finding collateral loans these days is not easy. Now-a-days, banks aren’t exactly loaning money if you have collateral. Credit checks have been a key standard now and keeping your credit score up is extremely important. So, you are thinking of getting a loan? Do you have some credit issues and want to raise your credit [...]
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