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Why isn't student credit card debt as well-addressed as it should be? When a student heads off for college they have to fill out dozens of forms and send a lot of documentation to the college Registrar’s office. One often-required item is proof of certain immunizations, such as hepatitis and tetanus. So much emphasis is put on these on dotting the i's and crossing the t's, but one critical area is missed -- immunity to student credit card debt.
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I know this site is usually about credit cards, but personal finance is also an important part of your credit card management and an emergecy fund is an important part of personal finance. Playing Chutes and Ladders should be required for anyone experiencing financial difficulties as a result of overspending. Nearly every financial expert strongly encourages individuals to have an emergency fund set aside. Yet, how many of us actually follow this advice?
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As if the average consumer doesn't have enough credit card debt, store cashiers are now turning into credit card pushers. The other day I had to buy undergarments for the kids. Not the most glamorous task, but someone's got to do it. After debating between Sponge Bob boxer briefs and Spiderman tidy whities and listening to my daughter lament about the woes of having to deal with butterfly undies instead of Bratz I didn't expect to go to war with the cashier. Boy, was I in for a surprise.
Continue reading "Dealing With Aggressive In-Store Credit Card Techniques" »
If you look at the terms and conditions of your credit card, you'll likely see that cash advances carry a much higher interest rate than purchases as well as a cash advance fee. However, a cash advance isn't just going to the bank and requesting cash or putting your credit card in an ATM machine. Other transactions qualify as cash advances too -- at least where interest rates are concerned. If you don't want any unpleasant surprises on your credit card statement, these are some things to keep in mind...
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You have a business and things are going well. Why don't you have your own business credit card yet? If you're still charging your business expenses on your personal credit cards, there are some things you need to know.
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Do your credit cards have you on the brink of bankruptcy? If the answer is yes, there are a few things you need to address and a few measures you can take to protect your financial future. However, you have to be willing to listen to the following advice...
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Getting started on the wrong foot when it comes to student credit card debt can haunt you in the years to come. That's why managing your debt wisely right from the start is the best bet. Unfortunately, not all student understand this. If you want to avoid the common student credit card debt pitfalls, here are a few things to keep in mind.
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