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Money Guide: Credit Cards


Don’t Be the Next Credit Card Fraud Victim

If you use credit cards on a regular basis, are you doing all you can to avoid criminals looking to make your life miserable? Unfortunately, credit card fraud remains a major problem in the U.S. (much of the world for that matter too). Despite protections put in by businesses, protections that many consumers use these days, criminals can still find a way to make life miserable for... [Continue Reading]

How Plastic Became the New Cash

It was premature based on the statistics available at the time, but back in 2006 our favorite financial family board game Monopoly made the switch to plastic over the bright colored bills we all grew up with. Mr. Moneybags decision to dump cash was an attempt to get with the times as 70% of adults shifted more purchases to plastic than they did before the millennium. Nearly ten years after the... [Continue Reading]

5 Ways Credit Cards Can Help You if You Use Them Wisely

The appeal of credit cards lies in the fact that it makes it easy to get just about anything you want. Fancy a new wristwatch? Just give your card, and it's all good. Love that new pair of shoes? Here you go. Swipe the card and you walk away with the shoes. All these are possible without spending cash. That is why it is so easy for many people to get into and continue to remain in debt. Your... [Continue Reading]

Managing Debt and Financial Goals

There is debt and then there is bad debt. Borrowing money to purchase a home or to pay for college can enrich the quality of your life and benefit you financially and personally for many years to come. But credit card debt or personal loans with high interest can crush you financially and prevent you from accomplishing many other goals you have for yourself. Falling behind on credit card... [Continue Reading]

5 Ways To Make Sure You Can Get A Good Interest Rate With Bad Credit

It may not always be possible to get the best interest rate with bad credit, but you can improve your chances if you take some of the following steps we put together. Number 1 – Legal Assistance Use a specialist legal firm that can advise on credit files and what is listed on there. Quite often defaults are listed on people’s credit files without those companies following the... [Continue Reading]

FAQs: The Truth About Cancelling Credit Cards and Business Banking

The average American that carries credit cards has eight credit cards in his or her wallet.  It is natural to think about cancelling some of the cards that you do not typically use.  Plus, many people are concerned about what might happen if their wallet was lost with over $60,000 of credit in it.  Before you cancel your cards, it is important to know how cancelling cards can... [Continue Reading]

10 Surprising Things That Can Hurt Your Credit Rating

Closing old credit cards Closing old, unused credit cards can shorten your credit history, which in turn harms your credit score. Should you have an old credit card that you've consistently kept in balance, do not be tempted to close it. The longer your credit history, the better. Applying for too many credit cards at once Banks will often inquire about your credit history before... [Continue Reading]

Watch out for Hidden Credit Card Charges

Credit cards may seem like a great way to spend money on the things you want, however many hide charges that could lead to you spending more than you bargained for. Find out how to avoid them and be more savvy with your plastic. Cash withdrawals. The majority of credit card providers charge a fee every time you use your card to withdraw cash. Interest will also be applied to the amount... [Continue Reading]

Managing Your Finances With Debit and Credit Cards

It is hard to imagine or, for the older generation, to remember life without carrying plastic cards wherever we go. Credit cards have been available for many years. Debit cards were introduced some time later, but when most current accounts still attracted interest for staying in the black. At the time, many credit card users couldn’t think of a reason for using debit cards, since they... [Continue Reading]

Are Prepaid Cards Expensive And Dangerous?

Prepaid cards have taken the finance world by storm. While, in the USA, some TV stars have begun issuing prepaid cards under their own name, the UK has seen a rapid rise of prepaid card use in relation to credit cards. The reason for this development isn't hard to understand: Simply put, customers with a bad credit rating are increasingly finding it impossible to get a regular credit card.... [Continue Reading]

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