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Credit Card Tips

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

How to Use Credit Cards Responsibly

Posted In:  credit cards

So what’s the big deal about credit anyway? We’ve mentioned before that life without credit cards is not that bad. The truth is, you don’t really need them at all…not to build credit, not to buy things, nothing at all. While not necessary, credit cards do make life easier and they are one of the most convenient ways to build credit. Add to that reward programs that can put extra cash in your pocket. Credit cards can offer big advantages, but only for those who use them responsibly. But what exactly does “responsibly” mean when it comes to using credit cards?Read the rest...

Life Without Credit Cards? It's Not So Bad

Posted In:  credit cards  banking

For many people, credit cards are a way of life. Those who find themselves relying on credit cards on a daily basis may have trouble even imagining what life without credit cards could ever be like. The fact is, relying on credit cards to get through life can be a dangerous path to walk, as those who don't make use of the utmost responsibility and care will inevitably find themselves falling behind. Fortunately, it is possible to live life without credit cards, and when the proper tactics are employed, you can enjoy a much better and more prosperous life.
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How to Live Happily Ever After: Tips for a Financially Sound Marriage

According to a study by Smart Money and Redbook magazine, 70% of married couples argue about money. In fact, it’s the culprit in about 50% of the marriages that fail. This problem stems from the fact that in most relationships, there is a “spender” and a “saver.” Without proper communication, these two personalities can clash, leading to arguments, stress and unfortunately divorce. Most psychologists agree that having a financially healthy relationship begins before couples tie the knot, and the following tips and ideas can help couples get on and stay on the same page regarding money.Read the rest...

No Credit History? No Problem. How to Get a Credit Card Anyway

Posted In:  credit cards  mortgage

Here in the US, having a good credit history and credit score is very important. Lenders check your credit score before approving a loan for you. If you need an auto loan, a mortgage, your FICO score will be pulled from one of the three major credit bureaus. Some employers also do that! But is it a real disaster if you have no credit history and you want to take a loan? The answer is not really. Here is how things may work out.Read the rest...

7 Ways to Consolidate Your Debt

These days, it’s hard to look at debt consolidation options without getting a heavy sales pitch. The industry as a whole is known for seedy offers that are a better deal for the debt consolidation companies than for the consumer. But when used wisely, debt consolidation helps people save money by reducing the cost of interest on borrowed money. The savings can help you put more money towards the debt and eventually pay it off more quickly than you otherwise could.Read the rest...

11 Spring Cleaning Tips for Your Wallet

Posted In:  banking  credit cards  mortgage

Spring is almost over and if you haven't gotten your financial house in order yet, now is the time. Finances need spring cleaning too, whether you're cleaning up your debt, banking, retirement savings, or mortgage. While you're building your spring cleaning "to do" list, here are 11 ways to clean your financial house and fatten your wallet:Read the rest...

How to Raise Teens to Use Credit Cards Responsibly

Posted In:  credit cards

Teaching your teens about the responsible use of credit and credit cards is vital in today’s world. It is nearly impossible to get through life without using credit in some form at one time or another. Unfortunately, many parents have the idea that if they just tell their teenagers that credit cards are evil, they have done their job. That is neither realistic nor true.Read the rest...

Stop Those Pre-approved Credit Card Offers...Opt Out!

Posted In:  credit cards

Did you know that you can opt out of those "pre approved" credit card offers that fill up your mailbox ? Under the Fair Credit Reporting Act (FCRA), Equifax, Experian, Innovis, and TransUnion are all required to give consumers a way to opt out of these types of mailings that they call "firm offers". This is because the law also allows the companies to include you name on lists that creditors and insurers use to make firm offers that you do not initiate. So in exchange for being allowed to make offers without your consent, the credit card companies have to give you a way to opt out. Read the rest...

Six Tips That Will Help Prevent Identity Theft

Posted In:  credit cards

Your identity is one of the most important things that you have. It helps you get credit cards, auto loans, mortgages, jobs and so much more. But what happens when someone gets a hold of your identity? They can run up your credit, destroy your FICO score and even commit crimes in your name. That’s why it is so important to safeguard your personal identity. Here are some tips that will help prevent identity theft so you can keep yours intact.
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How to Fix Your Credit Score Quickly

Posted In:  credit cards  mortgage

A bad credit score can be fixed in as little as a few months and even within a week in some cases. Knowing how to fix your credit involves targeting the areas of your credit that have the most weight in your credit calculation, and correcting any errors in your credit report. By doing this you can fix a bad credit score faster and more efficiently than with less-focused efforts.Read the rest...