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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Money Managing: Seven Myths About Credit Card Debt

Monday, October 20, 2014, 1:00 AM | Leave Comment

American consumer credit card debt is $800 billion, larger than the GDP of Greece, Pakistan, and Egypt combined. It is huge, it is frightening, and it is completely beatable. Yet credit card debt is shrouded in myth and misconception. These seven myths peel away the layers of fiction to reveal the facts about how you […]



Get More Value for Your Money with Smart Credit Card Use

Thursday, October 16, 2014, 1:00 AM | Leave Comment

According to the Census bureau, 176.8 million Americans have at least one credit card, and the average person has three or four. It’s wonder, then, that so many people end up having credit problems. There’s a lot you can do to not only avoid the potential pitfalls of using credit, but actually put your credit […]



Put Your Credit And Debit Cards To Work For You

Saturday, July 19, 2014, 1:00 AM | Leave Comment

As we all know, using credit cards can have advantages as well as disadvantages. The same is true using debit cards. Both can have a positive impact in your personal finance if you use them wisely. In some cases, it’s a better idea to use credit card for your next purchase and other cases using […]



How To Choose The Right Credit Card

Monday, January 27, 2014, 1:00 AM | 1 Comment

Credit cards have become a rage in recent times. People always become green-eyed when they see others money bag packed with different types of credit cards. They feel morally down but don’t worry as all men are equal. Now you too have the option of getting that purse bursting out with credit cards. It is […]



Tips To Monitor Activity On Your Credit Card Account

Sunday, November 10, 2013, 1:00 AM | 2 Comments

Since February 2010 when the CARD Act went into effect, media have reported that card holders have been hit two-fold: 1) New fees and 2) high interest rates. In addition, the card issuers have been coming out with anti-fraud programs that for some could be a big annoyance but for others blessing in disguise.



Tips to Optimize your Credit Effectively

Tuesday, July 30, 2013, 1:00 AM | Leave Comment

Being able to manage your credit effectively is a must in this credit-driven world. Unless you do, you may find that you already have a bad credit score when you do a credit check on your accounts. We show you how to manage credit the right way in this article. There are always two extremes […]



Use But Not Abuse Credit

Sunday, July 21, 2013, 1:00 AM | Leave Comment

Here I am waiting, just waiting, anticipating a chance to see you so I can embrace you, hug you. I sit here not for hours but days and months that you would show up one day and I would tell you all the loving things that I have in my heart. I need you now […]



6 Tips How New Grads Should Manage Their Credit Card

Saturday, July 13, 2013, 1:00 AM | 1 Comment

Now that new graduates are entering the job market and probably living by themselves, it’s a good time as ever to talk about how they should handle their credit card debt responsibly. This post should relate to the new graduates as well as students still in college. Here’s a typical situation of an average college […]



What are the Benefits of Subscribing to a Credit Monitoring Service?

Saturday, June 22, 2013, 1:00 AM | 12 Comments

Credit monitoring is crucial, especially if you live with the paradigm that factor in credit. While some may be able to survive in a cash-only paradigm, most cannot live like that. Most people will actually want or need credit throughout their life. It is then crucial for anyone who has credit to know how credit […]



Credit Card Has Changed the Way One Shops

Thursday, June 20, 2013, 1:00 AM | Leave Comment

Credit cards are one of the most common things in the world today. It is a card which is used by a person to pay for goods or services. They can be used instead of direct cash payment. There are many organizations which offer credit card services. They are one of the most useful things […]



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