Used wisely, credit allows for the convenient purchase of items both big and small. Used unwisely, credit can, and has, led to home foreclosures and bankruptcy. Learn to use credit and debit cards smartly and improve your credit score.

  • Any credit repair company that promises to remove legitimate bad debts from your credit history is lying. Under the Consumer Credit Protection Act, such information remains on your credit report for about seven years.

  • The disappearance of bad credits, if any, is only temporary. For help, check out the National Foundation For Credit Counseling.

  • However, having said that, a good credit score is your passport to competitive interest rates for mortgages, cars, credit card offers, job offers, insurance premiums and more. A strong score is worth it because it saves you money.

  • Go for a card that allows you to manage everything online so you stay under control, like this one www.hsbc.com.au/1/2/personal/services/credit-card-online.


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Things You Must Know About Credit Card Debt

Wednesday, June 27, 2018, 6:00 PM | Leave Comment

Before making that dreadful credit card debt relief call to a debt consolidation company, better yet, before you get into credit card debt, know the inside outs of credit card management. Whether you’re a conservative or liberal spender, chances are if you own a credit card, you’re at risk of credit card debt. What is […]



Debit Card vs. Prepaid Debit Card: All the Information You Need to Make the Right Choice

Thursday, June 21, 2018, 6:00 AM | Leave Comment

Banking services and fintech are spoiling us for choice. We have an option to choose from a plethora of credit cards, debit cards, travel credit cards, prepaid cards and more. It is often difficult to make the right choice with so many options in front of us. Not every card is fit for all types […]



4 Useful Credit Card Tips You Should Follow in 2018

Wednesday, March 28, 2018, 6:00 AM | Leave Comment

Were your credit resolutions for 2017 realistic? Maybe not. Maybe that’s why you’ve struggled all through the last year to pay off your debt. 2018 is when you should start anew. Keep two things in mind. First, don’t set unrealistic, hard-to-accomplish goals. Second, know beforehand if any new rule has been introduced. Credit agencies have […]



9 Secrets To Buy A Car With Bad Credit

Monday, November 27, 2017, 6:00 AM | Leave Comment

We all strive to maintain a positive and healthy credit history by paying back the loans we borrow on time. One always needs a good credit score to build trust in people that they will need support from. When you pay loans promptly you improve your chances to get others even in larger amounts. Good […]



Credit Crisis: How to Buy a Car with Bad Credit

Thursday, September 14, 2017, 6:00 PM | Leave Comment

So, you need a car but you have a bad credit rating? This can be a stressful situation, as a good credit rating is pivotal in being approved for purchasing a car. However, with some effort and patience, you’ll be able to buy a car with a lower score. Here are four ways to buy […]



Top 4 Credit & Debit Card Scams To Avoid In 2017

Thursday, March 30, 2017, 6:00 AM | Leave Comment

Consumers are dependent on credit and debit cards, and though they provide you with convenience, they come with their own set of risks. You have probably heard about transaction scams on the news, and maybe even heard stories from friends and family. Being able to identify common credit and debit scams will help you avoid […]



5 Tips to Help You Get a Loan with Bad Credit

Friday, March 17, 2017, 6:00 AM | 1 Comment

Bad credit is a problem. Very few of us can have a credit report with the score in the middle of 700 and 800. There are plenty of reasons that we fail. I have already discussed the reasons in my previous articles. Bad credit loans In this article, I’d like to talk about something else. […]



Documents And Eligibility Information For Applying For a Credit Card

Saturday, February 18, 2017, 6:00 AM | Leave Comment

With the demonetization process in full swing in the country, getting a credit card has become absolutely necessary these days and should be the highest priority for anyone who does not hold a valid credit card. If you had been delaying the task of applying and getting a credit card for yourself, it is now […]



How To Get Three Week Loan For Free

Saturday, August 29, 2015, 6:00 AM | 1 Comment

You can surely borrow money from friends and family for three weeks and an overwhelming majority would not charge you interest. That’s almost a given among us human folks who at times are generous enough to lend you the money with no interest and no late-fee charges. By the end of the loan period agreed […]



Need Cash Fast? Get a Personal Loan and Pay Your Bills

Tuesday, June 30, 2015, 6:00 PM | 4 Comments

I use credit card all the time even for a gallon of milk at the corner convenience store as long as the business would accept it. We needed a new roof. We charged the expenses to two credit cards, paid the labor charges with personal checks. Fortunately, we were able to pay the charges in […]



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