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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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 […]

Getting Credit Easy Repaying Debt Hard

Saturday, December 1, 2012, 2:00 AM | 1 Comment

Consumers can get credit for a variety of reasons. Using credit card for purchases is one such credit. Many folks may not realize that buying something with credit card will get them in debt immediately if they don’t pay the full amount before the due date. On the average, they get free loan for approximately […]

Events Highlight Credit Card Risks and Penalties

Thursday, November 1, 2012, 2:00 AM | Leave Comment

As Australia’s credit card debt continues to be of concern, financial experts highlight the dangers we put ourselves at risk of, for the sake of convenience. Credit card and internet security have recently made local and international headlines while the battle between the IMF and ANZ puts the spotlight on the exorbitant fees customers are […]

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 […]