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Secured Credit Cards (21 Oct 2006)
A secured credit card can be an excellent way to create your credit history, or to build it back if, for instance, you have filed for bankruptcy in the past seven years or your credit is not looking so good.

Unsecured Credit Cards (21 Oct 2006)
Though both secured and unsecured are accepted virtually everywhere, the unsecured credit card is both more convenient and usually less costly to obtain for the consumer.

Create An Action Plan To Deal With Your Poor Credit Score (21 Oct 2006)
Four simple areas of your personal credit to look at and consider when attempting to repair your credit score.

Credit Score An Introduction (21 Oct 2006)
What is a Credit score have you got one how does it affect you?

Making A Credit Card Work For You (21 Oct 2006)
A considerable obstacle standing between many Americans and the consumer goods they consider a necessary or desirable part of life is a ready way to pay for them. From a new piece of furniture to a car or even a house an age old problem stands in their way: MONEY or rather how to get hold of it.

Balance Transfers (21 Oct 2006)
Credit card balance transfer involves using a credit card to pay off the amount outstanding on one or more credit/store cards. The total debt then moves to one card.

Cash Rebate Credit Card (21 Oct 2006)
Cash rebate credit card offers allow you to get a cash rebate every time you use your credit card. More and more companies are beginning to offer cash rebate credit cards, as customers like the idea of getting something back every time they make a purchase.

College Student Credit Cards - How to Choose the Best One (21 Oct 2006)
There are so many credit cards being offered to college students these days that it may be difficult to choose the right college student credit card. It is important to choose carefully to make sure that you have the best deal and rates available.

Are We Underestimating What We Spend On Credit Cards? (21 Oct 2006)
Credit card spending is rising every year. How many of us know how much we spend using our credit cards?

Credit Problems: What You Can Do (21 Oct 2006)
Having a blemish on your credit report can lead people to believe that it will be impossible for them to obtain a mortgage or refinance their current one. Although having less than perfect credit can be a challenge, all hope is not lost...

Credit Card Vs. Debit Card - What Are The Main Differences (21 Oct 2006)
With our electronical cards fortunately the days of the mad rush and long queues to get cash from the bank before weekends are long gone. We now enjoy the convenience of using a nearby automatic teller machine (ATM) or you can even get "cash back" at your local grocery, hardware or convenience store.

What is a Home Equity Line of Credit? (21 Oct 2006)
A home equity credit line is a kind of loan which is secured against a property as collateral. It is a type of revolving loan which allows the borrower to loan funds at the time and in the amount the borrower chooses, up to a maximum credit limit for which the borrower has been qualified.

How To Use Your Credit Card For Ultimate Financial Advantage (21 Oct 2006)
This article explains the importance of establishing good credit, and how to use your credit card as a powerful tool for ultimate financial leverage. It also reveals exactly what to look for on a credit card application, and how to calculate that elusive "monthly finance charge".

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Your Credit Report After Bankruptcy-What To Look For
Do you KNOW what is on your credit report? Even if you have just filed bankruptcy it is EXTREMELY im...

Simple Ways To Repair Bad Credit
These tips will show you how to repair bad credit history and raise fico scores for you.

What You Need to Know About Interest Rates
For all people shop around for the best rate, there are few who have taken the time to sit down and ...

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, [...]

Credit Score Rebounds from Little Mistake
On February 13th I added a blog entry titled How My Credit Score Dropped 30 Points in One Day. This entry is a follow-up to that. To summarize the original entry, I paid off and closed my Chase credit card because they were jerking me around by raising my APR because I was paying my [...]

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 [...]

The Best Financial Advice You’ll Ever Get
Ready? Here it is: Relax and take a deep breath. When faced with financial troubles remember that it’s only money, a man-made symbol of value which is traded for other items with perceived values. It’s not your life, your health, your family, your pet or anything that nourishes your spirit. It’s not always easy but if you [...]