We work diligently to bring you the best information sources and articles about Credit Cards, Credit Card Offers, and Credit Card Rewards so you can stay informed. Subscribe to our mailing list and get notified about the latest information we've added to our site. We're here to help you get the information you need to make the best choices possible.
What You Need to Know About Interest Rates (21 Oct 2006) For all people shop around for the best rate, there are few who have taken the time to sit down and add it all up. After all, why would you bother? The answer is that understanding just how interest rates work can help you see how important small differences in rates and payment amounts can be.
Credit Card Incentives (21 Oct 2006) Credit card companies want your business. After all, lending money to people is profitable. Besides the interest fees that you'll be charged, the credit card company also collects a fee from merchants who accept their credit cards. In order to get your business, most credit card companies are willing to offer you some great incentives...
Taking Control of Your Credit History (21 Oct 2006) Your credit history is important; in fact, in this day and age, only family and your time are more important than your credit history! The first time you established a payment commitment over a period of time for a purchase, you began your history of credit, and the credit bureau created your account.
Credit Card Security Advice (21 Oct 2006) Do you still feel that shopping online is not safe? Credit card fraudsters are far more likely to get your credit card numbers and ID information by hacking into a bank or credit card company computer than they are to hack into an online store's server.
Five Credit Card Billing Problems and How to Fix Them (21 Oct 2006) It goes without saying that your first and best defense against paying fraudulent or unfair charges on your credit card is knowing what your bill says! When you receive your credit card statement each month, sit down with it and check each item to make sure that you actually DID purchase it.
Why Consumers Need a Nationwide Credit Freeze NOW (21 Oct 2006) Examines the need for nationwide laws which allow consumers to place a freeze on their credit profiles and protect themselves from identity thieves.
Good vs. Bad Credit Debt (21 Oct 2006) Think that all debt is bad? See how in some instances good debt can actually help your financial position.
Dealing With and Repairing Bad Credit (21 Oct 2006) Bad credit can be a burden for otherwise good credit. It may not seem fair at times that financial mistakes in the past can haunt you in the present, but with a little bit of work and some time bad credit can be turned around and repaired.
Credit and Its Cost (21 Oct 2006) Credit is money granted by a lender (or creditor) to a debtor (or borrower) whereby the lender defers receiving payment of the debt for a period. In exchange for the credit allowed, the lender will get back the money lent plus interest. The borrower has use of the money immediately, rather than waiting until the money required is saved up.
Credit Score - Reporting Your Financial Health (21 Oct 2006) Credit score is basic to your credit decision and is a guide to your financial health. Credit score will enable you to decide on which loan type to apply for and the interest rates to expect. Credit score is a three digit number which is consequential enough to decide whether you can own a house or a car and has considerable on how much your pay on your credit, insurance and other necessities of life. Knowing your credit score will enable you to make amends, if any, and prevent you from abuse at the hands of loan lenders.
Identity Theft – Additional Protection for Soldiers on Active Duty (21 Oct 2006) An amendment to the Fair Credit Reporting Act permits active duty military personnel who are away from their active duty station to place an "active duty alert" on their credit reports. This should help prevent soldiers from being victims of identity theft.
Choosing The Best Credit Card To Apply For (21 Oct 2006) There are several criteria that should be considered before choosing a credit card. You should make sure and check into any card offer that you receive to make sure that you are getting a card that will best serve instead of best serving the card company.
Credit Cards - Use the 0% Deals to Make Money (21 Oct 2006) Credit cards are not all bad, if used correctly they can be a great means of cash flow to a business. Using them correctly is the key to making the credit card companies money work for you...
Smart Consumer Savings My buddy John claims that winning money is ten times sweeter than earning it. I must admit I agree with that statement. However, the problem with gambling is that the odds are never in your favor and most of us will end up on the losing end eventually. My proclamation is that [...]
Psychology to Help You Negotiate with Jerks Somebody once told me “never go to your boss with questions, always go with answers”. As I was arguing on the phone recently with my motorcycle repair shop’s jerky service manager it occurred to me that the same advice applies to negotiating with people about money , services or any other issue needing fixing. Basically, [...]
For Student Credit There’s a “Perfect Storm” Looming Warning, there’s trouble ahead. There’s a strong chance that a serious batch of credit problems are headed straight for students which threaten to swamp their ability to get student loans and credit cards. A series of changes in the economy could result in student credit scores dropping more than 100 points overnight as well as [...]