Escaping Late Fee Charges On Your Credit Card

It’s a little known fact that late fees account for an immense proportion of credit card companies’ profits, as much as 30% in the case of some lenders! You may never have encountered a ‘late fee’ before, but if you use a credit card, you probably will! Forget to pay off the bill one month, [...]

Fun With Credit Cards

For those of us who know how to use them properly, credit cards can actually be quite fun and lucrative. To those who do not know how to use them properly, I would say that you should stop reading this column right about now, or at least I would advise you not to try any [...]

How To Read Your Credit Report

The Fair and Accurate Credit Transactions Act, signed into law on Dec. 4, 2003, gives every American the right to a free credit report every year from each of the three major credit bureaus — Equifax, Experian and TransUnion.

How A Credit Card Can Be Your Friend

We have all heard countless stories of people over their heads with credit card debt-maxing out every card they own, then only being able to afford the minimum monthly payment. High interest payments shackle people to their debt for years, not to mention the significant income drain the finance charges have on their families.

Beat Credit Card Companies At Their Own Game!

Have you ever wondered how much money a credit card company makes? Have you ever wondered how much of that comes from late fees? Everyone has and if you haven’t you should because most likely you own a credit card, which means that these late fees has or could directly affect you.

Getting The Perfect Credit You Deserve

In an attempt to describe perfect credit it is almost impossible to put into words because perfect credit is a myth. The best the majority of consumers can achieve is good credit, and this is due to the fact that we are human, and as humans we have a tendency to err. Yet, good credit [...]

How To Shop For Credit Cards

In these highly commercial times, the amount of credit card choices is constantly growing. Many offer generous reward programs and low interest rates, which begs the question: perhaps I’m paying too much interest on my existing card. There are many different offers but which one is best suited to my lifestyle and shopping habits?

You Lost Your Debit Card – How Much Do You Pay?

You stop at the grocery store for just a few items, but the next thing you know, you have a cart full of food and only a few bucks in you pocket. That when you notice that you left your checkbook at home, but it’s not a problem you have your debit card with you.

Things You Should Know About Credit Cards

Maybe these ten items may answer some questions you have about using credit cards.

How To Pay Off Credit Cards Bills & Other Bills

If you maintain a balance on your credit cards you are probably paying hundreds of dollars a year in interest. This is money that could be put to better use.

Lower Your Credit Card Interest Rate Now

With today’s credit card companies, there are many opportunities to get your cards rate of 21% or more reduced. The higher the amount of interest your card charges will cost you more for a simple purchase and ultimately may take you years to pay off instead of months, should you make the minimum payment allowed. [...]

Credit Cards For People With Bad Credit Scores

Sometimes life lands you in a situation that causes your credit to suffer. A job loss or illness can send your credit rating south leaving you with nothing to do about it. Some creditors may let you slide a month or two, but your records will still show a delinquency. A stolen identity can also [...]

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