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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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 […]

Understand Reason Why You Sign Credit Card Application

Tuesday, April 23, 2013, 1:00 AM | 3 Comments

If you need a credit card, you have to be very discreet and diligent to apply for the right kind of card that can give you benefits instead of headaches for years to come. I say that because on the average Americans have in their wallet more than 8 cards one time or another. I […]

Credit Card Interest in UAE vs. UK

Wednesday, April 10, 2013, 1:00 AM | 7 Comments

The UK’s credit card marketplace is hyper competitive. How competitive is hyper competitive? Well, credit cards in the UK can have 0% balance transfer deals lasting up to an incredible two years. Yes, two years without paying a single penny of interest. Now, how does that stack up with another country? Let’s find out! UAE […]

Get Personal Unsecured Loan With Bad Credit

Monday, April 8, 2013, 1:00 AM | 6 Comments

There are a number of reasons to take out a personal loan. You can use it for debt consolidation of credit cards which have high interest rate, help finance any sudden unexpected expenses such as medical bills, kitchen repair, home repair, taxes, weddings and so on. Taking out a personal loan to meet expenses can […]

Shopping Rewards – How to Use Them Well Without Overspending

Wednesday, April 3, 2013, 1:00 AM | Leave Comment

Everyone loves to get something for free! That is what makes shopping reward programs so popular. The idea of being rewarded just for shopping is an attractive one. However, rewards are only worth it if you are not spending more than you would normally just to earn them. However, it is possible to make use […]

Best and Worst Credit Cards Revealed

Wednesday, March 27, 2013, 1:00 AM | 2 Comments

Reward cards are a great way to rack up the benefits of using credit cards, but only if you pay off your bill, in full, every month. There are a large variety of reward cards on the market today, however not all of these cards offer the same benefits, and if you’re not careful, you […]

Why You Should Not Use Credit Cards

Friday, March 22, 2013, 1:00 AM | 5 Comments

Come a way of life for some people – especially as the economy has floundered over the last half a decade at least. The sad fact is credit cards may seem like a good idea at the time, but in the long run can potentially damage a person’s financial history for years and years afterwards. […]

Shuffle The Cards To Reduce Interest Exposure

Wednesday, March 13, 2013, 1:00 AM | Leave Comment

The recent downturn in the economy has led to a collapse in personal lending as banks have effectively put up the shutters. After years of ever increasing loans banks have been forced by legislation to consider their own funding reserves when making lending decisions. This new level of responsibility has led to more stringent lending […]

Gift Cards Are More Popular Than Ever Before

Saturday, December 15, 2012, 2:00 AM | Leave Comment

According to consulting firm CEB TowerGroup, sales of gift cards are expected to rise 10% this year to $110 billion. Gift card givers and receivers both find it a smart choice as a gift. Many folks often return gifts to stores for different reasons. With gift card, the receiver gets “cash” instead. And you can […]