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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6 Things To Be Aware Of For Balance Transfer

Wednesday, October 31, 2012, 2:00 AM | 2 Comments

You may have racked up quite a large debt on your credit card and you may be looking to transfer your balance to another card to get a lower interest rate and thus manage your credit card debt better. A credit card balance transfer means when you as a credit card holder open a new […]



Stay Away From Common Sense When Using Credit Cards

Tuesday, October 30, 2012, 2:00 AM | 1 Comment

The title of this article does not make common sense. Because common sense has gotten millions of folks to the brink of bankruptcy. It has gotten folks into heavy debt that they were never able to get out, thus filing for bankruptcy protection. That’s why I say stay away from common sense when getting and […]



Consumer Impulsiveness Is Bliss For Credit Card Companies

Wednesday, September 12, 2012, 2:00 AM | 2 Comments

Credit card industry can be tricky but only for those folks who do not want to read the fine prints that come with the credit application. It’s fair to say they do not want to know what they are getting into when they sign the paper. It’s nobody’s fault except the card holder when they […]



Consumers Keep Filling Credit Card Issuers Big Bellies

Saturday, August 4, 2012, 2:00 AM | 23 Comments

Credit cards like fire can do wonders. Used properly, it can enhance your livelihood in all sorts of forms. Used recklessly and needlessly, it can totally ruin your financial life. You need to have understanding of how best to use credit cards. It will do wonders for you and your family. You must be in […]



Be Aware Of Credit Cards Fine Print Traps

Thursday, July 26, 2012, 2:00 AM | 3 Comments

Americans can’t live without their credit cards. They don’t go out without them. That is fine as long as they don’t accrue credit card debt that they can’t get rid of. Americans seem to be back in the habit of free spending using their cards. Credit card lenders are happier than ever. Obesity is bad […]



Top 10 ways of Turning Credit Card Points and Miles into Cash

Thursday, July 19, 2012, 2:00 AM | 10 Comments

While many people use their credit cards to earn points for rewards, some people find no charm in rewards and focus on turning these rewards into cash. This is indeed a very smart way to get back some of the cash you have paid extra using the credit card and get credit card debt relief. […]



American Public Needs Easy Credit

Tuesday, July 3, 2012, 2:00 AM | Leave Comment

Even though the U.S. Government has showered banks with money and lots of it, many folks still have problems of getting credit. In this modern economy, almost all men and women need credit. Whether the credit comes in the shape of credit cards, mortgages, student loans and personal loans, we all need it. There seems […]



Learn How Your First Credit Card Behaves

Tuesday, June 19, 2012, 2:00 AM | 1 Comment

It looks as if we are bombarded with debt from all directions everyday of our lives. Debt comes directly from credit and in credit we trust. There seems to be no escape from credit. We need it every step of the way. Let’s face it. This is the 21st century. We need the damn credit […]



Credit Card vs Debit Card In College

Thursday, May 24, 2012, 2:00 AM | 4 Comments

If you are a college student reading this, or a kid of yours is going to college, you might need a credit card or a debit card. So, which kind is better? If you go to a bank, they might try to convince you that a “prepaid debit card” would be a better choice for […]



Cash, Credit Cards, and Smart Shopping

Wednesday, April 25, 2012, 2:00 AM | Leave Comment

Wise consumers know how to choose a quality product. You look at all of the options available, and choose the one that suits your needs. Rather than rushing out to buy it right then, you wait until you can afford it and maybe even wait until it’s on sale. Unfortunately, many of our purchases don’t […]