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Many financial experts suggest that married couples each have separate bank accounts and credit cards. I’m not going to debate whether that is good or bad advice here. However, if you are married and you and your spouse have separate credit cards and bank accounts, it is still important to keep the lines of communication open.
If you’re a college student, you might be concerned about getting any student credit cards. There is no doubt that college costs a lot, and if you’re like many students nowadays you’re probably footing a good portion of the bill through work-study jobs and student loans. Student credit cards can feel like financial suicide on top of the student loan debt you’ve accumulated so far. It doesn’t have to be that way, though. Student credit cards can be an important piece of the financial puzzle while you are still in school.
Continue reading "How Much Do You Know about Student Credit Cards?" »
If you’re interested in getting a new credit card, it’s beneficial to put some time into the decision before you apply for any credit card offer that comes your way. There are many opportunities that regularly present themselves for you to apply for credit cards. Keep in mind that you don’t have to apply for every credit card offer that comes your way. When you apply for a new credit card, ideally it will be a card that you have researched and selected on your own first.
Continue reading "Applying for Credit Cards In Public Places" »
Many consumers joke about the amount of credit card debt they are in and that they have a credit card for bad credit. Ultimately credit card debt is no laughing matter; however, it can help to maintain a positive outlook in the face of financial challenges. A more positive frame of mind can alleviate some of the stress associated with credit card debt or having a credit card for bad credit, and this can contribute to you making wiser purchasing decisions.
Continue reading "The Reality of Having a Credit Card for Bad Credit" »
Now is the perfect time to start thinking about applying for gas credit cards. Summer will be here before you know it, and gas credit cards can be very helpful this summer especially if you plan to do a lot of traveling.
Continue reading "Gas Credit Cards Can Come in Handy This Spring" »
As a consumer with a Discover card and Chase credit card, I realize it is important to make all my credit card payments on time, most consumers realize the importance of timely payments. However, what many consumers don’t realize is that it is also important to make other payments on time including your electric and water bills. Whether you have a Chase credit card, an American Express card, a Discover card, or some other credit card, paying all your bills on time is important because it can affect your credit card interest rates and the bargaining power you have to negotiate lower interest rates.
If you are a smaller business owner you might be wondering about whether or not a secured business credit card is right for you. Even if you are a small business owner with a spectacular personal credit rating, you might still not qualify for a business credit card. That is where a secured business credit card can help out.
Continue reading "Benefits of a Secured Business Credit Card" »
Tax season is upon us and for some individuals tax season might present an opportunity to use their low interest credit cards. It’s certainly great to get a tax refund, but some Americans will not and end up owing the IRS when they file their yearly taxes. If you are one of those individuals who are expecting a tax bill this year, you might be wondering whether you should use your low interest credit cards to pay for it.
Continue reading "Low Interest Credit Cards and Uncle Sam" »
Credit card teaser rates present a problem for many consumers. Who wouldn’t love a low interest rate on their credit card? Credit card companies offer incredibly low rates to consumers in an attempt to get them to apply for their credit cards. However, credit card teaser rates are just that a “tease” that doesn’t last as long as you would like it too.
Continue reading "Credit Card Teaser Rates Fool Many Consumers" »
You might be inundated with credit card offers, but does that mean your credit rating is spectacular? Many consumers mistakenly assume that receiving credit card offers means that their credit rating is good. If you want to learn more about the confusing misconceptions about credit card offers read more below.
Continue reading "Misconceptions about Credit Card Offers" »
If you have more credit card debt than you would like and want to be debt free, there are some great online tools to help you determine just how long it will take you to achieve your goals. Credit card debt is something that many Americans experience at one point or another in their lives, and with proper and careful planning it is possible to get out of credit card debt. Believe it or not, calculators may actually help.
Continue reading "What Does a Calculator Have To Do With Credit Card Debt?" »
Most of us realize that we need to have credit cards in order to establish and build a credit history, but in order to improve your credit rating you actually need to use the credit cards you have. Many consumers simply have a credit card on hand in case they encounter an emergency situation. However, if you’re one of the consumers who rarely uses his or her credit card, there's something you need to know.
Continue reading "Improve Your Credit Rating By Using a Credit Card" »
If you don’t know much about credit cards, you might have heard that the best credit cards are not available to young adults or those with imperfect credit. If you fall into one of these categories, you might like to know that there is a lot of misinformation about credit cards circulating around. In fact, you may very well qualify for some of the best credit cards out there, even if you think you don't. But how do you know if you qualify? Here are some things to consider.
Continue reading "Are You Worthy Enough For The World's Best Credit Cards?" »
Getting a low interest credit card is exciting for many consumers. They can take advantage of the all the many conveniences credit cards have to offer but avoid high interest rates at the same time. However, credit card companies can change the rate on your low interest credit card at any time and for many different reasons that consumers aren’t always aware of when they apply for the card.
Continue reading "Playing the Low Interest Credit Card Game" »
As a consumer, should you put medical treatment you receive on a credit card? It sounds like a strange question to ask, but according to recent news reports, doctors are teaming up with credit card companies in an effort to encourage their patients to get credit cards. This can be helpful for doctors or hospitals because they won’t have to spend money bill collection services later on if the patient doesn’t pay for services that either weren’t covered by their insurance or won’t covered at all because they had no insurance.
Continue reading "Using a Credit Card for Medical Treatments" »
If you’re confused by the terminology of the credit card industry and all the credit card offers you receive in the mail, you might not know how to go about finding credit cards for bad credit. There are an abundance of possible credit cards out there, and credit cards for bad credit cater to a specific segment of consumers.
Continue reading "Understanding Credit Cards for Bad Credit" »
There are so many confusing terms in the credit card industry that many consumers don’t know what qualifies as a low interest credit card. Below you’ll find some information about determining whether or not a credit card is a low interest credit card.