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	<title>Credit Card Blog &#124; Credit Card Articles&#187; 2010  January</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>Responsible Credit Card Use</title>
		<link>http://blog.creditcardflyers.com/credit-card-general/responsible-credit-card-use-1236.php</link>
		<comments>http://blog.creditcardflyers.com/credit-card-general/responsible-credit-card-use-1236.php#comments</comments>
		<pubDate>Sun, 31 Jan 2010 09:08:06 +0000</pubDate>
		<dc:creator>Lindsey Keels</dc:creator>
				<category><![CDATA[Credit Card General]]></category>

		<guid isPermaLink="false">http://blog.creditcardflyers.com/?p=1236</guid>
		<description><![CDATA[If I knew then what I know now about credit cards, I would have been more cautious and responsible with my plastics over time. Time and again, financial gurus have stressed the need for these cards to build a good credit history. A high credit score means institutions will likely consider you to be relatively safe to lend money to or provide jobs. However, I should have asked myself before I signed up for one account years ago if I am responsible enough to handle it. This is because I found myself in a deep financial mess that took years to fix. Now I am wiser and vowed never to be eaten alive by debt.
Come to think of it, there ... (<a href="http://blog.creditcardflyers.com/credit-card-general/responsible-credit-card-use-1236.php" rel="bookmark" title="Permanent Link to Responsible Credit Card Use" class="more">more</a>) <span class="date">January 31, 2010</span>]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Taking Your Vacation Soon?</title>
		<link>http://blog.creditcardflyers.com/credit-card-general/taking-your-vacation-soon-1234.php</link>
		<comments>http://blog.creditcardflyers.com/credit-card-general/taking-your-vacation-soon-1234.php#comments</comments>
		<pubDate>Sat, 30 Jan 2010 09:07:38 +0000</pubDate>
		<dc:creator>Lindsey Keels</dc:creator>
				<category><![CDATA[Credit Card General]]></category>

		<guid isPermaLink="false">http://blog.creditcardflyers.com/?p=1234</guid>
		<description><![CDATA[My colleague’s family went out of state to spend a few days on vacation. I know my friend prepared for that trip very well so the kids will consider it a very memorable one. At first he was hesitant to take the trip, thinking about the expenses and their current household budget. He was also cautious about bringing wads of cash and thought about their security. Then someone suggested that he apply for a travel credit card to somehow ease his worries away. As expected, he was raving about his decision to apply for a travel card when he returned to work.
He said that he reaped the benefits of a travel credit card even before they left for the trip. ... (<a href="http://blog.creditcardflyers.com/credit-card-general/taking-your-vacation-soon-1234.php" rel="bookmark" title="Permanent Link to Taking Your Vacation Soon?" class="more">more</a>) <span class="date">January 30, 2010</span>]]></description>
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		<slash:comments>0</slash:comments>
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		<title>How Can Bad Credit Rating be a Blessing?</title>
		<link>http://blog.creditcardflyers.com/credit-card-general/how-can-bad-credit-rating-be-a-blessing-1232.php</link>
		<comments>http://blog.creditcardflyers.com/credit-card-general/how-can-bad-credit-rating-be-a-blessing-1232.php#comments</comments>
		<pubDate>Fri, 29 Jan 2010 20:55:33 +0000</pubDate>
		<dc:creator>Lindsey Keels</dc:creator>
				<category><![CDATA[Credit Card General]]></category>

		<guid isPermaLink="false">http://blog.creditcardflyers.com/?p=1232</guid>
		<description><![CDATA[In some instances, having bad credit rating can help a person, especially a young adult, avoid headaches in the future. The following stories can help you understand why.
The Man with Good Credit Rating
A friend of mine started off with good credit when he had his first stable job. His credit standing enabled him to get credit cards, including financing for his snowmobiles, car, and others. As he went along paying his debts, he got into more debts. By the age of 30, he had more than $20,000 debt in his credit card, excluding his car and business loans.
He considered declaring bankruptcy, hoping that the credit card companies will reduce his debts. To convince the companies that he was having financial ... (<a href="http://blog.creditcardflyers.com/credit-card-general/how-can-bad-credit-rating-be-a-blessing-1232.php" rel="bookmark" title="Permanent Link to How Can Bad Credit Rating be a Blessing?" class="more">more</a>) <span class="date">January 29, 2010</span>]]></description>
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		<title>How to Deal with a Credit Report and Credit Default</title>
		<link>http://blog.creditcardflyers.com/credit-card-general/how-to-deal-with-a-credit-report-and-credit-default-1230.php</link>
		<comments>http://blog.creditcardflyers.com/credit-card-general/how-to-deal-with-a-credit-report-and-credit-default-1230.php#comments</comments>
		<pubDate>Thu, 28 Jan 2010 20:54:55 +0000</pubDate>
		<dc:creator>Lindsey Keels</dc:creator>
				<category><![CDATA[Credit Card General]]></category>

		<guid isPermaLink="false">http://blog.creditcardflyers.com/?p=1230</guid>
		<description><![CDATA[Losing a job does not mean you would not have a chance to improve your credit rating. Do not waste time crying over misfortunes. It is really challenging to pay off bills especially if you have just been unemployed. Good for you if you have enough savings to get you through the dry spell and buy you more time for your credits.
Here are some tips on how to maintain a good rating in spite of unemployment.
Start off by seeking the help of a credit counselor regarding credit report improvements. If there are derogatory items on the report, write a letter to the credit report agencies to address the derogatory statements. Once done with this, apply for credit cards that allow ... (<a href="http://blog.creditcardflyers.com/credit-card-general/how-to-deal-with-a-credit-report-and-credit-default-1230.php" rel="bookmark" title="Permanent Link to How to Deal with a Credit Report and Credit Default" class="more">more</a>) <span class="date">January 28, 2010</span>]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Improving Your Credit Score</title>
		<link>http://blog.creditcardflyers.com/credit-card-general/improving-your-credit-score-1228.php</link>
		<comments>http://blog.creditcardflyers.com/credit-card-general/improving-your-credit-score-1228.php#comments</comments>
		<pubDate>Wed, 27 Jan 2010 20:54:14 +0000</pubDate>
		<dc:creator>Lindsey Keels</dc:creator>
				<category><![CDATA[Credit Card General]]></category>

		<guid isPermaLink="false">http://blog.creditcardflyers.com/?p=1228</guid>
		<description><![CDATA[Have you gone to a gym? If so, then you must be aware that it is not easy to be in shape and build muscles. When already in shape, you cannot stop working out if you want to maintain the muscles and to keep your body toned. These things are similar to a credit score. If you want to improve your credit score after having some troubles in the past, then you will need time to do that. Begin the habit of paying on or before the due dates. Once you have reached the desired score, continue managing debts in a responsible manner so as to maintain it.
Improving credit means you must consistently make debt payments promptly. Gradually, on-time payments ... (<a href="http://blog.creditcardflyers.com/credit-card-general/improving-your-credit-score-1228.php" rel="bookmark" title="Permanent Link to Improving Your Credit Score" class="more">more</a>) <span class="date">January 27, 2010</span>]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Is It Possible for the Government to Spend its Way Out of Depression?</title>
		<link>http://blog.creditcardflyers.com/credit-card-general/is-it-possible-for-the-government-to-spend-its-way-out-of-depression-1226.php</link>
		<comments>http://blog.creditcardflyers.com/credit-card-general/is-it-possible-for-the-government-to-spend-its-way-out-of-depression-1226.php#comments</comments>
		<pubDate>Tue, 26 Jan 2010 20:53:33 +0000</pubDate>
		<dc:creator>Lindsey Keels</dc:creator>
				<category><![CDATA[Credit Card General]]></category>

		<guid isPermaLink="false">http://blog.creditcardflyers.com/?p=1226</guid>
		<description><![CDATA[When we hear in the news that banks are suddenly closing, we know that there really is a problem with the money market systems and capitalism in our world today. These problems cannot be simply solved through the government’s use of the taxpayers’ money pumped into failed businesses, failed insurance brokerages, and failed banks. The government does not see that the problem is not surface-level. The economy is facing problems such as corporations engaging in fraudulent trade and banks buying and selling bad debts.
Bankers and gamblers are just making money out of the people’s taxes, using millions of government aid for their personal gain in what is referred to as the corporate ponzi scheme. There are only losses, and no ... (<a href="http://blog.creditcardflyers.com/credit-card-general/is-it-possible-for-the-government-to-spend-its-way-out-of-depression-1226.php" rel="bookmark" title="Permanent Link to Is It Possible for the Government to Spend its Way Out of Depression?" class="more">more</a>) <span class="date">January 26, 2010</span>]]></description>
		<wfw:commentRss>http://blog.creditcardflyers.com/credit-card-general/is-it-possible-for-the-government-to-spend-its-way-out-of-depression-1226.php/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<title>Using Your Credit Card Properly</title>
		<link>http://blog.creditcardflyers.com/credit-card-general/using-your-credit-card-properly-1224.php</link>
		<comments>http://blog.creditcardflyers.com/credit-card-general/using-your-credit-card-properly-1224.php#comments</comments>
		<pubDate>Mon, 25 Jan 2010 20:52:53 +0000</pubDate>
		<dc:creator>Lindsey Keels</dc:creator>
				<category><![CDATA[Credit Card General]]></category>

		<guid isPermaLink="false">http://blog.creditcardflyers.com/?p=1224</guid>
		<description><![CDATA[Nowadays, the credit card is a very convenient way of payment. To avoid being caught up in a bad credit situation, there are a few things you can do to properly use your credit card.
First, avoid using your card in making purchases where a cash payment is possible. When using a card, the tendency is that you will purchase items that are unnecessary and beyond your budget. If it is possible, pay for the expenses that you incur for the day using available cash.
You should also make a full payment of your credit card balance at each due date. Holders of credit cards tend to pay only a portion of their bills. To avoid problems, only charge payments in your ... (<a href="http://blog.creditcardflyers.com/credit-card-general/using-your-credit-card-properly-1224.php" rel="bookmark" title="Permanent Link to Using Your Credit Card Properly" class="more">more</a>) <span class="date">January 25, 2010</span>]]></description>
		<wfw:commentRss>http://blog.creditcardflyers.com/credit-card-general/using-your-credit-card-properly-1224.php/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<title>Are Mortgage Loan Services as Helpful as They Claim to Be?</title>
		<link>http://blog.creditcardflyers.com/credit-card-general/are-mortgage-loan-services-as-helpful-as-they-claim-to-be-1222.php</link>
		<comments>http://blog.creditcardflyers.com/credit-card-general/are-mortgage-loan-services-as-helpful-as-they-claim-to-be-1222.php#comments</comments>
		<pubDate>Sun, 24 Jan 2010 20:50:20 +0000</pubDate>
		<dc:creator>Lindsey Keels</dc:creator>
				<category><![CDATA[Credit Card General]]></category>

		<guid isPermaLink="false">http://blog.creditcardflyers.com/?p=1222</guid>
		<description><![CDATA[Lenders and creditors have always been quick to lend a helping hand when it comes to modification of mortgage loans. By doing a quick search on the internet and processing an online application, several creditors will not hesitate to contact you and make you an offer. They even match the offers of their competitors in the industry, making it more difficult for you to choose which one to go with. However, still, are you really sure that they are indeed there to lend you that much-needed helping hand?
Obviously, they would claim that they have the most altruistic of intentions. Good for you if you end up doing business with a lender that has the purest of intentions. Still, you should ... (<a href="http://blog.creditcardflyers.com/credit-card-general/are-mortgage-loan-services-as-helpful-as-they-claim-to-be-1222.php" rel="bookmark" title="Permanent Link to Are Mortgage Loan Services as Helpful as They Claim to Be?" class="more">more</a>) <span class="date">January 24, 2010</span>]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Interest Rate Reductions Should Not Entail Payment</title>
		<link>http://blog.creditcardflyers.com/credit-card-general/interest-rate-reductions-should-not-entail-payment-1220.php</link>
		<comments>http://blog.creditcardflyers.com/credit-card-general/interest-rate-reductions-should-not-entail-payment-1220.php#comments</comments>
		<pubDate>Sat, 23 Jan 2010 20:49:04 +0000</pubDate>
		<dc:creator>Lindsey Keels</dc:creator>
				<category><![CDATA[Credit Card General]]></category>

		<guid isPermaLink="false">http://blog.creditcardflyers.com/?p=1220</guid>
		<description><![CDATA[It is quite a shame to think that there would still be a lot of people out to scam others in just about any way that they can. Unfortunately, this is true in the case of interest rate reductions. With that said, it is always wise to keep yourself informed and up to date about these scams plaguing just about everyone – especially credit cardholders.
The latest scam to hit the market involves interest rate reductions. How does this scam work? A credit cardholder would receive a call from a live person – or this could be a prerecorded message – and that person would offer him or her lower interest rates for their credit card. During the negotiation, some scammers ... (<a href="http://blog.creditcardflyers.com/credit-card-general/interest-rate-reductions-should-not-entail-payment-1220.php" rel="bookmark" title="Permanent Link to Interest Rate Reductions Should Not Entail Payment" class="more">more</a>) <span class="date">January 23, 2010</span>]]></description>
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		<slash:comments>0</slash:comments>
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		<title>On Top of Credit Card Fees Come Checking Fees</title>
		<link>http://blog.creditcardflyers.com/credit-card-general/on-top-of-credit-card-fees-come-checking-fees-1218.php</link>
		<comments>http://blog.creditcardflyers.com/credit-card-general/on-top-of-credit-card-fees-come-checking-fees-1218.php#comments</comments>
		<pubDate>Fri, 22 Jan 2010 20:48:23 +0000</pubDate>
		<dc:creator>Lindsey Keels</dc:creator>
				<category><![CDATA[Credit Card General]]></category>

		<guid isPermaLink="false">http://blog.creditcardflyers.com/?p=1218</guid>
		<description><![CDATA[One of the latest hits that credit card users have been coping with is the exorbitantly high credit card fees that they are charged with. These fees are largely the banks’ defense mechanism to cope with new credit card laws that will take effect pretty soon. These laws can really cut profits of banks worldwide, so banks are looking for ways to curb this loss by adding new fees that the new laws do not cover. Interest rates would still increase, but this movement would be monitored closely by the government so banks cannot really do much in this arena, which is why they have resorted to yet another uncovered base – in the form of checking fees.
Checking accounts do ... (<a href="http://blog.creditcardflyers.com/credit-card-general/on-top-of-credit-card-fees-come-checking-fees-1218.php" rel="bookmark" title="Permanent Link to On Top of Credit Card Fees Come Checking Fees" class="more">more</a>) <span class="date">January 22, 2010</span>]]></description>
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