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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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 | Leave 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 | Leave Comment

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 […]

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

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

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 […]