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

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How to Manage Your Credit Cards and Debt Responsibly

Thursday, January 14, 2021, 6:00 PM | Leave Comment

Debt is a major concern for many people. In 2019, a major consumer credit company conducted a study and discovered that the average American citizen carries more than $90,000 in arrears from sources such as credit cards, personal loans, and other miscellaneous avenues. That said, if not properly addressed, neglecting your debt could have serious […]

Stop And Learn To Live Within Your Means

Tuesday, January 5, 2021, 6:00 AM | Leave Comment

In my various posts, I have several times mentioned about how I and my family have lived without major debts. Well, the only debt we have is our monthly mortgage. I come from a poor family, an immigrant. I was raised in a financially conservative family. I was 23 when I came to the States. […]

2 Different Kinds Of Credit Card Fraud You Need To Know

Friday, December 18, 2020, 6:00 PM | Leave Comment

Credit cards are ubiquitous staples of modern commerce. They are payment cards that allow consumers to purchase goods and services with the promise of reimbursing the issuing entity of that card. Transactions can be done both in person at a store by having the cashier swipe the card or enter its information into an automated […]

What Are The Dangers Of Credit Cards

Friday, September 11, 2020, 6:00 AM | Leave Comment

Credit cards have become as much of a daily part of life as phones and computers. We use them for everything from coffees in the morning, to paying off debt. They can seem like a miracle cure when payday is too far away, or you want something that’s a little out of your price range. […]

Which American Express Credit Card to Choose?

Sunday, July 12, 2020, 6:00 AM | Leave Comment

American Express, is called “AMEX,” differs from the majority of other credit card issuers because it’s also a financial institution. In addition they have cards geared toward young people or towards the wealthy. Employing an American Express card may have many advantages. Among the most rewarding is that the payoff of cash provided on a […]

Is Fake Credit Card Generator Software Legal or Illegal?

Saturday, May 2, 2020, 6:00 AM | Leave Comment

Above all, let us make it clear that a fraudulent credit card generation program is not a crime or immoral. Yet if a random number is created and used for payments and dishonest purposes, it fits into the category of a major no. I work with an organization that creates software apps. I’ve got a […]

What To Know While Choosing A New Credit Card

Wednesday, October 16, 2019, 6:00 AM | Leave Comment

Credit cards have been more like a relief to a lot of people who have tight hands over the pockets. Sometimes, we need to buy certain things but do not have enough money at the moment to commence the purchase. Therefore, the role of a credit card comes in. It is like a loan you […]

3 Things You Should Consider About Credit Card Interest Rates Before You Make The Move

Thursday, August 15, 2019, 6:00 AM | Leave Comment

So you’re basically just starting this thing and are worried about the credit card. Well no doubt about this as this credit card thing really deserves attention, to be honest too much attention. A slight wrong move can cost you thousand in debt, it doesn’t take much until you are deep down in debts so […]

Smart Tips On Using Credit Cards To Your Advantage

Friday, June 14, 2019, 6:00 AM | Leave Comment

A lot of people have the required credit card eligibility, but they keep away from applying for one. Even if some people have credit cards, they don’t use it to stay away from indulging in over-spending. While credit cards may lead you to debt traps if you don’t use it smartly, it also brings many […]

5 Tips to Get the Most From Your Cash Back Credit Card

Tuesday, May 7, 2019, 6:00 AM | Leave Comment

Cash back credit cards are one of the most popular bank products today. With this type of card, you get to earn back a percentage of the amount you spend on your purchases. Because of this, there will be at least one part of your bill that you can look forward to seeing every month. […]