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	<title>Credit Card Blog &#124; Credit Card Articles&#187; 2009  April</title>
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	<link>http://blog.creditcardflyers.com</link>
	<description>CreditcardFlyers.com Blog: The place for everything about finance, credit card articles, all of the newest card offers/perks, and the answers you need to your credit questions!</description>
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		<title>When Doing The Right Thing Is Wrong For Your Credit</title>
		<link>http://blog.creditcardflyers.com/credit-score/when-doing-the-right-thing-is-wrong-for-your-credit-367.php</link>
		<comments>http://blog.creditcardflyers.com/credit-score/when-doing-the-right-thing-is-wrong-for-your-credit-367.php#comments</comments>
		<pubDate>Thu, 30 Apr 2009 12:34:05 +0000</pubDate>
		<dc:creator>Lindsey Keels</dc:creator>
				<category><![CDATA[Credit Score]]></category>
		<category><![CDATA[charge-offs]]></category>
		<category><![CDATA[collections]]></category>
		<category><![CDATA[Credit History]]></category>
		<category><![CDATA[paying off debt]]></category>

		<guid isPermaLink="false">http://blog.creditcardflyers.com/?p=367</guid>
		<description><![CDATA[Most consumers know that paying off debt is the best way to find financial security and improve your credit. As with all other things in life there is always an exception to the rule and paying off debt is no different. While it is true that making timely payments and keeping your debt-to-credit ratio low is a good way to improve your credit score, paying off old debt may not have the same effect.
Reviewing your credit report has long been recommended as the first step toward understanding and improving your credit. By reviewing your report you are able to dispute inaccurate reporting and see older accounts that may be causing your score to currently suffer. If you have charge-offs, accounts ... (<a href="http://blog.creditcardflyers.com/credit-score/when-doing-the-right-thing-is-wrong-for-your-credit-367.php" rel="bookmark" title="Permanent Link to When Doing The Right Thing Is Wrong For Your Credit" class="more">more</a>) <span class="date">April 30, 2009</span>]]></description>
		<wfw:commentRss>http://blog.creditcardflyers.com/credit-score/when-doing-the-right-thing-is-wrong-for-your-credit-367.php/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Credit Card Categorized for a Reason</title>
		<link>http://blog.creditcardflyers.com/credit-card-advice/credit-card-categorized-for-a-reason-363.php</link>
		<comments>http://blog.creditcardflyers.com/credit-card-advice/credit-card-categorized-for-a-reason-363.php#comments</comments>
		<pubDate>Wed, 29 Apr 2009 14:24:41 +0000</pubDate>
		<dc:creator>Lindsey Keels</dc:creator>
				<category><![CDATA[Choosing Credit Cards]]></category>
		<category><![CDATA[Credit Card Advice]]></category>
		<category><![CDATA[Rewards Credit Cards]]></category>
		<category><![CDATA[bad credit]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[Rewards]]></category>
		<category><![CDATA[Student Credit Cards]]></category>

		<guid isPermaLink="false">http://blog.creditcardflyers.com/?p=363</guid>
		<description><![CDATA[If you have ever conducted a search for credit cards online, you will likely have noticed there is a growing list of credit card categories that are available to compare. Too often, people will dismiss these categories because they only care if they get a Mastercard or Visa or that they are approved for a credit card in general.
It can be a financial mistake to not search for credit cards correctly. You can be missing out on a great deal for yourself according to your money habits. Credit cards are assorted into different categories such as Credit Card Rewards, Student Cards, 0% Balance Transfer cards, Secured credit cards, and more. These categories can help you choose which credit card may ... (<a href="http://blog.creditcardflyers.com/credit-card-advice/credit-card-categorized-for-a-reason-363.php" rel="bookmark" title="Permanent Link to Credit Card Categorized for a Reason" class="more">more</a>) <span class="date">April 29, 2009</span>]]></description>
		<wfw:commentRss>http://blog.creditcardflyers.com/credit-card-advice/credit-card-categorized-for-a-reason-363.php/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Have Consumers Learned Any Lessons From The Recession?</title>
		<link>http://blog.creditcardflyers.com/money-saving-tips/have-consumers-learned-any-lessons-from-the-recession-355.php</link>
		<comments>http://blog.creditcardflyers.com/money-saving-tips/have-consumers-learned-any-lessons-from-the-recession-355.php#comments</comments>
		<pubDate>Tue, 28 Apr 2009 12:01:20 +0000</pubDate>
		<dc:creator>Lindsey Keels</dc:creator>
				<category><![CDATA[Money Saving Tips]]></category>
		<category><![CDATA[lessons learned]]></category>
		<category><![CDATA[managing credit]]></category>
		<category><![CDATA[recession]]></category>
		<category><![CDATA[saving money]]></category>

		<guid isPermaLink="false">http://blog.creditcardflyers.com/?p=355</guid>
		<description><![CDATA[Following the state of the economy for more than a year has been a painful experience for consumers. Few need to be reminded of the hardships people have faced. The news doesn&#8217;t appear to be as bleak in recent weeks, however the economy is still troubling and will likely remain that way for some time.
Most people are familiar with the saying, &#8220;desperate times call for desperate measures&#8221;. The question is: have consumers adapted to tough times by changing their lifestyle or have they proceeded as normal hoping things will improve?
The basic principles and practices of good personal finance haven&#8217;t changed over the years, however as a society we have altered what is normal or acceptable behavior. For the first time ... (<a href="http://blog.creditcardflyers.com/money-saving-tips/have-consumers-learned-any-lessons-from-the-recession-355.php" rel="bookmark" title="Permanent Link to Have Consumers Learned Any Lessons From The Recession?" class="more">more</a>) <span class="date">April 28, 2009</span>]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Protecting Your Credit Is More Important Than Ever</title>
		<link>http://blog.creditcardflyers.com/credit-card-advice/protecting-your-credit-is-more-important-than-ever-361.php</link>
		<comments>http://blog.creditcardflyers.com/credit-card-advice/protecting-your-credit-is-more-important-than-ever-361.php#comments</comments>
		<pubDate>Mon, 27 Apr 2009 15:40:38 +0000</pubDate>
		<dc:creator>Lindsey Keels</dc:creator>
				<category><![CDATA[Credit Card Advice]]></category>
		<category><![CDATA[Credit Score]]></category>
		<category><![CDATA[Identity Theft]]></category>
		<category><![CDATA[credit protection]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[fraud]]></category>

		<guid isPermaLink="false">http://blog.creditcardflyers.com/?p=361</guid>
		<description><![CDATA[With so much going on financially in the world, more people are getting desperate for fast money. Sadly, even during such hard times for people, there are still the miscreants who are willing to do just about anything to get their hands on your identity and other financial information.
During a recent gathering of select industries during National Consumer Protection Week, a wide array of groups including the Federal Trade Commission, the Better Business Bureau, and even AARP, representatives each told varied tales of how important it is for all people to keep an eye on their personal information – a very close eye. The AARP group was represented because the age group it typically represents is more susceptible to fraud ... (<a href="http://blog.creditcardflyers.com/credit-card-advice/protecting-your-credit-is-more-important-than-ever-361.php" rel="bookmark" title="Permanent Link to Protecting Your Credit Is More Important Than Ever" class="more">more</a>) <span class="date">April 27, 2009</span>]]></description>
		<wfw:commentRss>http://blog.creditcardflyers.com/credit-card-advice/protecting-your-credit-is-more-important-than-ever-361.php/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Unactived Credit Card Might Affect Your Credit</title>
		<link>http://blog.creditcardflyers.com/credit-card-advice/unactived-credit-card-might-affect-your-credit-347.php</link>
		<comments>http://blog.creditcardflyers.com/credit-card-advice/unactived-credit-card-might-affect-your-credit-347.php#comments</comments>
		<pubDate>Sun, 26 Apr 2009 16:42:26 +0000</pubDate>
		<dc:creator>Lindsey Keels</dc:creator>
				<category><![CDATA[Credit Card Advice]]></category>

		<guid isPermaLink="false">http://blog.creditcardflyers.com/?p=347</guid>
		<description><![CDATA[Occasionally there are consumes who have credit cards in their name they have misplaced and forgotten before the card was ever activated. So what do those unactivated cards mean for your credit score?
Well, first we need to define unactivated. An unactivated credit card means your received it in the mail but did not go online or call to confirm you have the card in your possession. This means the card has not been used nor is it available to be used for any reason. Inactive cards mean you do not use them often but they have been properly activated for service. Inactive cards are reported to your credit report.
Whether or not an unactivated credit card affects your credit depends on ... (<a href="http://blog.creditcardflyers.com/credit-card-advice/unactived-credit-card-might-affect-your-credit-347.php" rel="bookmark" title="Permanent Link to Unactived Credit Card Might Affect Your Credit" class="more">more</a>) <span class="date">April 26, 2009</span>]]></description>
		<wfw:commentRss>http://blog.creditcardflyers.com/credit-card-advice/unactived-credit-card-might-affect-your-credit-347.php/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>You&#8217;re Rated on More Than Just Your FICO Score</title>
		<link>http://blog.creditcardflyers.com/credit-card-advice/youre-rated-on-more-than-just-your-fico-score-344.php</link>
		<comments>http://blog.creditcardflyers.com/credit-card-advice/youre-rated-on-more-than-just-your-fico-score-344.php#comments</comments>
		<pubDate>Sat, 25 Apr 2009 23:56:31 +0000</pubDate>
		<dc:creator>Lindsey Keels</dc:creator>
				<category><![CDATA[Credit Card Advice]]></category>
		<category><![CDATA[Credit Card General]]></category>
		<category><![CDATA[Credit Card Tips]]></category>
		<category><![CDATA[Credit Score]]></category>
		<category><![CDATA[Promotional Offers]]></category>
		<category><![CDATA[Credit History]]></category>
		<category><![CDATA[ratings]]></category>

		<guid isPermaLink="false">http://blog.creditcardflyers.com/?p=344</guid>
		<description><![CDATA[
Everyone knows that the FICO score is calculated to determine an individual&#8217;s overall credit risk.  You have a 3 digit number between 300 and 850 which describes you to lenders.  The higher your number, the less risky you appear to the lenders and the more likely you are to get approved for credit with good interest rates.
In addition to the FICO score, people are also rated on other categories and spending habits, including:
Revenue - using information from credit reports, lenders determine how much revenue a particular cardholder would likely generate for the credit card company.
Response Rate &#8211; a score given to individuals that describes how likely they are to respond to a credit card promotional offer.  This ... (<a href="http://blog.creditcardflyers.com/credit-card-advice/youre-rated-on-more-than-just-your-fico-score-344.php" rel="bookmark" title="Permanent Link to You&#8217;re Rated on More Than Just Your FICO Score" class="more">more</a>) <span class="date">April 25, 2009</span>]]></description>
		<wfw:commentRss>http://blog.creditcardflyers.com/credit-card-advice/youre-rated-on-more-than-just-your-fico-score-344.php/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Using Credit Cards Offers Advantages You Can&#8217;t Get With Cash</title>
		<link>http://blog.creditcardflyers.com/credit-card-advice/using-credit-cards-offers-advantages-you-cant-get-with-cash-342.php</link>
		<comments>http://blog.creditcardflyers.com/credit-card-advice/using-credit-cards-offers-advantages-you-cant-get-with-cash-342.php#comments</comments>
		<pubDate>Sat, 25 Apr 2009 02:03:43 +0000</pubDate>
		<dc:creator>Lindsey Keels</dc:creator>
				<category><![CDATA[Credit Card Advice]]></category>
		<category><![CDATA[Credit Card General]]></category>
		<category><![CDATA[Credit Card Tips]]></category>
		<category><![CDATA[benefits of credit]]></category>
		<category><![CDATA[credit cards]]></category>

		<guid isPermaLink="false">http://blog.creditcardflyers.com/?p=342</guid>
		<description><![CDATA[
Despite the bad reputation surrounding the credit card industry, using credit cards provides benefits over using cash.  Here are several advantages of switching to a credit card budgeting system you just can&#8217;t get with cash:
Purchase protection and extended warranties: many credit cards automatically include purchase protection or an extended warranty.  If you order an item online or through the mail and it arrives in a condition different from what you expected, your credit card company will handle that situation and get your money  back or the item replaced.  Many credit cards also include 90 days of extra warranty coverage on items you buy with the card, on top of the standard store warranty.
Rewards for buying: how ... (<a href="http://blog.creditcardflyers.com/credit-card-advice/using-credit-cards-offers-advantages-you-cant-get-with-cash-342.php" rel="bookmark" title="Permanent Link to Using Credit Cards Offers Advantages You Can&#8217;t Get With Cash" class="more">more</a>) <span class="date">April 24, 2009</span>]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>6 Things College Kids Should Know About Credit Cards</title>
		<link>http://blog.creditcardflyers.com/debt-consolidation/6-things-college-kids-should-know-about-credit-cards-291.php</link>
		<comments>http://blog.creditcardflyers.com/debt-consolidation/6-things-college-kids-should-know-about-credit-cards-291.php#comments</comments>
		<pubDate>Thu, 23 Apr 2009 10:32:45 +0000</pubDate>
		<dc:creator>Lindsey Keels</dc:creator>
				<category><![CDATA[Choosing Credit Cards]]></category>
		<category><![CDATA[Credit Card Tips]]></category>
		<category><![CDATA[Debt Consolidation]]></category>
		<category><![CDATA[Promotional Offers]]></category>
		<category><![CDATA[Report and Score]]></category>
		<category><![CDATA[Student Credit Cards]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[credit scores]]></category>
		<category><![CDATA[student rewards]]></category>

		<guid isPermaLink="false">http://blog.creditcardflyers.com/?p=291</guid>
		<description><![CDATA[Credit card offers start pouring into the mailbox for consumers at a relatively young age. Most high school graduates will begin receiving such offers before leaving home for college and many more will get offers and promotional materials while in college. The promotionals may seem like a great deal but for most of the recipients, they do not yet know how credit even works. Without a solid knowledge-base of credit, students can be facing a life-long battle with debt and other financial difficulties.
Here are 6 things college kids need to know about credit cards: 
Introducing Your Own Credit Report – Opening a credit card account will also likely be the start of your credit report. As many teens can&#8217;t wait ... (<a href="http://blog.creditcardflyers.com/debt-consolidation/6-things-college-kids-should-know-about-credit-cards-291.php" rel="bookmark" title="Permanent Link to 6 Things College Kids Should Know About Credit Cards" class="more">more</a>) <span class="date">April 23, 2009</span>]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Does Your Credit Need A Checkup?</title>
		<link>http://blog.creditcardflyers.com/credit-card-general/does-your-credit-need-a-checkup-334.php</link>
		<comments>http://blog.creditcardflyers.com/credit-card-general/does-your-credit-need-a-checkup-334.php#comments</comments>
		<pubDate>Wed, 22 Apr 2009 17:43:24 +0000</pubDate>
		<dc:creator>Lindsey Keels</dc:creator>
				<category><![CDATA[Credit Card General]]></category>
		<category><![CDATA[credit health]]></category>
		<category><![CDATA[Credit History]]></category>
		<category><![CDATA[credit rating]]></category>
		<category><![CDATA[Credit Score]]></category>
		<category><![CDATA[eliminate debt]]></category>
		<category><![CDATA[finances]]></category>

		<guid isPermaLink="false">http://blog.creditcardflyers.com/?p=334</guid>
		<description><![CDATA[We all know the importance of living a healthy lifestyle and receiving regular checkups to make sure everything is working as it should. Most of us can also appreciate the effectiveness of being proactive to avoid having health problems in the future. Your finances can benefit from the same train of thought. If you want to have good credit you have to be proactive and take steps to prevent your credit from suffering. A regular checkup will ensure you are not overlooking developing problems as well. Here are a few tips to help keep your financial health in check.

Never Pay The Minimum Payment- There are generally two types of people who pay the minimum payment. The first are people who ... (<a href="http://blog.creditcardflyers.com/credit-card-general/does-your-credit-need-a-checkup-334.php" rel="bookmark" title="Permanent Link to Does Your Credit Need A Checkup?" class="more">more</a>) <span class="date">April 22, 2009</span>]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Aid Your Bad Credit Score With a Gas Card</title>
		<link>http://blog.creditcardflyers.com/credit-card-advice/aid-your-bad-credit-score-with-a-gas-card-289.php</link>
		<comments>http://blog.creditcardflyers.com/credit-card-advice/aid-your-bad-credit-score-with-a-gas-card-289.php#comments</comments>
		<pubDate>Tue, 21 Apr 2009 13:30:32 +0000</pubDate>
		<dc:creator>Lindsey Keels</dc:creator>
				<category><![CDATA[Bad Credit]]></category>
		<category><![CDATA[Choosing Credit Cards]]></category>
		<category><![CDATA[Credit Card Advice]]></category>
		<category><![CDATA[credit repair]]></category>
		<category><![CDATA[eliminating debt]]></category>
		<category><![CDATA[gas cards]]></category>
		<category><![CDATA[rebuilding credit]]></category>

		<guid isPermaLink="false">http://blog.creditcardflyers.com/?p=289</guid>
		<description><![CDATA[For those consumers who drive to work or school each day, all need to the same thing – gasoline. For those same consumers who also have bad credit issues in the past can use gasoline to their credit advantage. Many companies offering gas cards will also offer additional discounts and promotions to help save money on gasoline. Besides the potential savings, consumers can also have a positive impact on their credit score, especially when their current score is less than perfect.
One powerful tool to boosting your credit rating is by applying for a gas card at your local gas service station. Many of the gas credit card issuers are more lenient when reviewing credit histories and applications. When you are ... (<a href="http://blog.creditcardflyers.com/credit-card-advice/aid-your-bad-credit-score-with-a-gas-card-289.php" rel="bookmark" title="Permanent Link to Aid Your Bad Credit Score With a Gas Card" class="more">more</a>) <span class="date">April 21, 2009</span>]]></description>
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