Managing Credit and Debt Archive

Credit card information is given online everyday by millions of people.  The Internet resources have become more convenient and this includes people doing their shopping paying online.  There are sites like PayPal, and Amazon, which …

There is smart debt and dumb debt. Most debt is the latter. It can be used as a tool, but should not be used as an excuse because you cannot afford to pay for something …

Non-payment of loans or liabilities can negatively affect your credit, and an outstanding medical bill represents a liability. Despite this, it is not a given that failing to pay a medical bill would bring your …

With an annual fee of several thousand dollars a year, it is no wonder that the American Express Centurion Black Card holders are known to be an elite bunch. But what exactly does this exorbitantly …

Cash back credit cards are a great choice for consumers who routinely pay their balance in full each month. Cashing in on a reward for spending makes sense and the overall cash back rate stands …

Credit cards can be dangerous weapons in the wrong hands and have been the precursor of financial ruin in many instances. There is a simple fact about credit cards which is this: credit cards allow …

Obtaining A Credit Card With Bad Credit The Credit History report is like the Hall Monitor in the world of credit cards. The credit history report will serve as a security for credit card companies …

Tesco is no longer just a supermarket, but a bank as well. The Tesco MasterCard can be used anywhere that MasterCard is accepted, but it also doubles up as a Tesco Club card, allowing consumers …

Are you having trouble with your credit lately, or you are sick of those calls from the credit card companies? The best thing you can possibly do for yourself is to raise your credit score …

If you are drowning in debt, considering debt consolidation or worse bankruptcy, consider this plan first. You do not need a debt consolidation service to pull yourself out of debt. Having a plan and paying …

In today’s world, it seems that everyone is worried about their credit scores. You see ads on television telling you about how difficult life is for the people who don’t go and get their scores …

Prepaid credit cards provide both pros and cons over traditional credit cards. Consumers should weight these advantages and disadvantages to find out what is right for them. Pros Anyone with the money can get them …

Even when military members are deployed, they still have to pay their bills.  Not paying your bills or constantly making late payments can wreck your credit score. Being in the military, there can also be …

Owning a credit card is, no doubt, one of the most convenient ways to manage one’s expenses. However, it can also expose a lot of risks or problems in the part of the consumer. These …

Secured credit cards offer the optimum way for those with a poor credit history to re-establish their financial reputation and regain access to credit. Selecting a secured credit card from a mainstream lender is a …

We have to take the time to understand the creditors’ jobs before we explore how to deal with them. You should know that creditors are creditors because they are good at being horribly mean to …

American households are finding themselves with major financial problems more and more these days as the amount of available consumer credit keeps going up, and advertisements for such products is everywhere. The credit card industry …

Nothing! At least at first, there is no reason to worry about a third party collection agency. Why? There are numerous reasons as to why this isn’t as terrifying as it might seem, so not …

Credit cards are the norm in many developed countries and continue to gain popularity throughout the world. They offer a higher purchasing power and often come with fantastic rebates and perks to lure customers. However, …

Eric found himself stranded in a small town in Indiana with no cash and a fuel gage that read empty. He swiped the credit card that had been offered to him a year prior while …

One way debt collectors operate, companies such as Allied Interstate, is that they have paid the original lender for the right to collect the debt. What does this really mean? For instance, assume you owe credit card company …

Credit cards can be wonderful assets and can also be bothersome liabilities, especially when using them overseas. If you are planning a trip overseas, it may be best to not plan on using your credit …

Credit is readily available, even to those with a bad credit history. What one ought to know and what one needs to know are two different things when applying for a credit card. The consumer needs …

It’s hard to get by these days without having credit to ease the way but you can build it solid early and it will serve you well. A good credit rating is as good as having …

The Ryanair MasterCard may well appeal to regular fliers who use the budget airline. The credit card which Ryanair offers, part of the Santander range of cards, gives card holders the chance to redeem free …

It is important to pay the full amount on your credit cards every month. During the Christmas season, many people believe they can splurge with their credit cards and usually get themselves into financial difficulty. …

Small businesses are increasingly becoming reliant on credit cards as an additional source of funding. However it is a common dilemma that it is almost impossible to qualify for a business credit card with less …

The lifestyle trap is pretty akin to being a hamster on a play ring which endlessly goes round in an aimless fashion. Many people can live their whole life that way simply by not prioritising …

A higher credit limit is possible with bad credit using a number of relatively effective techniques that lower risk to lenders or at least give the quantitative impression of lower risk. Some methods involve building …

One of the many obstacles which results from a bad credit rating is the difficulty in obtaining a credit card with a high credit limit. Naturally lenders perceive those with bad credit as high risk …