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Credit Card Tips

Transfer your balance to a lower interest credit card, keep card interest rates low, etc...

Four Simple Ways Anyone Can Generate Extra Cash in 2011

Posted In:  banking  credit cards

I get a little tired of posts talking about ways to make extra money. Many of them give you ideas that might get you $25 all year, or require special skills like writing blogs. It’s not that blogging is really so hard, but it takes a lot of effort to make even a little bit of money. These solutions don’t work for most people. Fortunately, there are some sure-fire ways that anyone can pick up extra cash. 
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How to Squeeze More Rewards out of Your Credit Cards

Posted In:  credit cards

Maximize Credit RewardsShopping rewards and rebate programs have exponentially increased in popularity since the recession. Everyone is trying to save every dollar they can when shopping; especially during the holiday season. Most limit themselves to their credit card cash back rewards programs; remaining completely unaware of the existence of additional rewards programs and how to make better use of every dollar spent and every point earned. Fortunately, I am here to help you make the most out of every dollar you spend.Read the rest...

Your Credit Report is Free but Your Score isn't. Here's Why.

Posted In:  credit cards  mortgage

Because of commercials emphasizing credit scores, most people understand why their credit score is important. Your credit score decides whether you can get a loan for that car you want or live in the residential area of your choice. Unfortunately, most people don’t realize the “free credit report” they see advertised is not offering a “free credit score.”Read the rest...

Emergency Fund vs Credit Card Debt: What’s the Top Priority?

Posted In:  credit cards  debt reduction

Is it better to start an emergency fund or pay off your debt as quickly as possible? If you are anything like most human beings, you want a definitive push in one direction or the other. Most financial advisors and ten-year-old kids can tell you which is better to go with by simply looking at the numbers. However, like all things in life, it is not quite so simple. This is a great example of people thinking the world is in black and white.Read the rest...

Your Credit: Joint Cardholder or Authorized User?

Posted In:  credit cards

Many consider owning joint credit cards with spouses, family members, or friends. Often, individuals confuse having a joint card with having an authorized user on a card, but there are distinct differences. As with most things, being a joint cardholder or an authorized user each has advantages and disadvantages. Choosing between the two options is a matter of personal preference, and finding out what is best given your financial situation.Read the rest...

How to Win at the Credit Card Game

Posted In:  credit cards

Getting into financial trouble using credit cards is not so hard. Because no actual money exchanges hands, consumers often fail to think about the impending charges until the bill arrives and must be budgeted into the monthly expense account. Many experience financial devastation in part, from misuse of credit cards. To avoid possible pitfalls and use credit effectively, consumers must acquire knowledge on how to win the credit card game.Read the rest...

Top Ten Signs You Need a Financial Makeover

Not unlike facing parents after mischievous events or having to pull weeds on the weekend, dealing with financial problems is an unpleasant task. Sticking one’s head in the sand and hoping it will all go away, does not solve the problem. The effects of procrastination only compound the dilemma. Curtail financial devastation by recognizing early warning signals and adopting a proactive approach. Learn the top ten signs you need a financial makeover.Read the rest...

The Do's and Dont's of Personal Finance

Posted In:  banking  credit cards  debt reduction

When you think about your personal finances, you have to think about what works best for you. The same thing that works well for one person may not yield the same results for the next person.

However, there are do’s and don’ts that all individuals should pay attention to regarding their finances. Here’s a list of things that you should implement into your personal finance strategies, and some things you should avoid at all possible costs.Read the rest...

The're at it Again! How Credit Card Companies are Trying to Dupe Consumers

Posted In:  credit cards  small business

The introduction of credit cards in the early nineteen fifties created an economic monster that has rapidly drained the life blood out of the economy of the United States. Credit cards have become addictive, creating a nation of credit junkies. The usage of credit cards has increased the cost of living by twenty to thirty percent or more for consumers, while filling the coffers of the credit card companies with trillions of dollars in interest. While the CARD act, enacted in May 2009 and put into effect February 2010 changed some of that, the companies have found a loophole and are already trying to exploit consumers with it.Read the rest...

Five Steps to Choosing the Best Rewards Program Credit Card

Posted In:  credit cards

It seems like every credit card has some kind of rewards program these days. Figuring out the best rewards program for you can sometimes be confusing. Researching the topic reveals so many different numbers – three percent reward on these purchases, one percent on those purchases, a cash back option, a gift car option, and many others. Read the rest...

 
It sounds like an awful lot of math to calculate. But finding the best rewards program for you is easier than it sounds. Follow the tips below to find out how to choose the best cash back credit card for you.