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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How Easy Is It to Get a Loan With Bad Credit?

Monday, April 6, 2015, 5:00 PM | 1 Comment

Your credit score can determine much about your financial future, but too often people fail to take measures to improve their credit, while at the same time doing that which might result in your credit score getting even worse. That’s all aside from the fact that whatever your credit score may be, we all need […]



Rebuilding Credit: How You Can Go From Damaged to Stellar

Wednesday, February 4, 2015, 6:00 AM | 2 Comments

Banks and other lenders make credit issuance decisions based upon the character and past history of a potential borrower. These lenders rely heavily upon credit scores as a means to quickly assess the character and creditworthiness of an applicant. Because of this, your credit score holds a serious amount of weight when it comes to […]



Be Aware of How Credit Cards System Works

Wednesday, December 24, 2014, 6:00 AM | Leave Comment

When you think of credit cards, for many folks, it’s imperative to think of high interest rates and too much danger when utilizing them to spend recklessly. The end result is you end up with heavy and nasty debt. However, if used wisely, there are consumers who benefit to using a credit card. This article […]



Six Myths About Credit Cards You Don’t Need to Believe

Friday, October 31, 2014, 1:00 AM | Leave Comment

The myths about credit cards are everywhere, but you can move past them if you think critically about your own finances in an intelligent way. You must remember credit cards can help you if you use them the right way. Credit Cards Produce Debt Credit cards only produce debt in your life when you are […]



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 […]