Tired of reading through blogs and articles that all seem to point out that it is best to freeze your credit card to death than to keep it with you at all times? Don’t you worry — this won’t do the same.
As a plastic user, I have already exhausted all the possible means to find out how I can make the most out my card. I have done my own research and reading. I have even gone the extra mile by talking to my creditors. While it is really wise to just not own a credit card and just live within my means, I just can’t. I am already as dependent as you are.
What separates me from the lot is … (more) May 22, 2009

Posted in Choosing Credit Cards, Credit Card Advice Comments Off

You may not know it but there are actually ways that you can significantly lower your credit card interest rates. This is actually a welcome option for anyone today, with the global recession affecting practically everyone and all. So, just how do you do this exactly? You have three easy options for this and each is discussed in depth below.
First, you should browse the market and look for credit cards at 0% APR interest rate. This is actually one of the first and obvious things any credit cardholder should do. Sadly, not too many do not really take the time to look for such credit cards, which is really unfortunate because this can help a lot. Most of the time, … (more) May 16, 2009

Posted in Choosing Credit Cards, Credit Card Tips Comments Off

After years of consumers racing headlong into debt, many people have learned the hard way that not knowing the terms of your credit card agreement can be detrimental to your finances. This is partly the fault of card holders who eagerly applied for and used credit without thought for the consequences. The credit card companies are not without blame as they often used less than forthcoming marketing techniques to target consumers that really shouldn’t have credit in the first place. As a result there are major changes taking place within the credit card industry. Consumers looking for credit in the future will have a harder time finding good credit card offers. Knowing what to look for will be the first … (more) May 9, 2009

Posted in Choosing Credit Cards Comments Off

The summer months mark increase vacations for many Americans. Despite the current economic conditions causing many to make alternative travel plans this year, most are still planning to take a family trip or two. Going against counterintuitive wisdom is the potential to use credit cards to save money on vacations – but here are some tips to do just that!
First, you’ll need a cash rewards credit card that gives you cash-back on all purchases. You don’t necessarily want a travel rewards card, because some are too limiting in how you can redeem your rewards and travel benefits. Instead, select a quality cash back credit card and use it to get money back for everything you buy on the card. The … (more) May 8, 2009

Posted in Choosing Credit Cards, Credit Card Tips, Money Saving Tips, Promotional Offers, Rewards Credit Cards Comments Off

If you are not yet using a credit card that gives back actual cash rewards, you might be missing out. There are millions of consumers who have made the switch from using traditional credit cards to the new-improved cards offering consumer rewards. Cash back credit cards are one of the most popular rewards programs because – let’s face it – everyone can use cash.
Cash back rewards cards really can get you benefits simply by using your card as you normally do. Here are some other tips to consider when using a cash-back rewards card to maximize your earnings:
Verify the Terms
Just because it says it’s a rewards card, does not mean that the reward will be cash. Make sure you understand … (more) May 7, 2009

Posted in Choosing Credit Cards, Credit Card Advice, Credit Card Tips, Rewards Credit Cards Comments Off

Due to the many different types of cards available to consumers, finding the best credit card for your spending needs can be challenging. As a general rule, people who have a high credit score and good credit history qualify for credit cards that offer the most favorable terms and conditions. So where does that leave individuals who have no credit history or those trying to repair damaged credit? With fewer choices most consumers turn to secured credit cards to establish or re-establish credit.
The Difference Between Secured and Unsecured Credit Cards
The basic difference between the two cards is the source of funds available for purchases. An unsecured credit card allows consumers to make purchases and repay the balance without the need … (more) May 6, 2009

Posted in Bad Credit, Choosing Credit Cards, Credit Card General Comments Off