Managing Credit and Debt Archive

People with credit can get new credit products much harder than people with a sound credit rating or an OK credit file. However there are some products especially designed for those who have already have …

Credit, debit, cash, or check? All of these methods of payment have their advantages and drawbacks. A debit card shouldn’t be the only tool in your financial toolbox, but it is a useful thing to …

Some people in today’s economy struggle financially because they had not acquired the skills and habits necessary to pay their bills timely or save for emergencies. Their lives just went from one paycheck to the …

People sometimes have problems making their credit card payments on time and if the payments become too late, a collection agency, who is hired by the creditor, is called in to take over and collect …

Since branching out into financial services the Post Office has acquired a good reputation, particularly when it comes to obtaining commission free foreign currency. Naturally the Post Office Classic credit card also comes with the …

A lot of consumers are curious just what credit protection services do.  With so many different forms of credit protection popping up left and right, it can be difficult to determine what is essential and …

The Fair Credit Reporting Act (FCRA), passed in 1970 and amended multiple times since, regulates the collection and use of consumer credit information.  Enforced by the Federal Trade Commission (FTC), the FCRA provides certain rights …

How many credit cards do you have? How many does one person need? Most people have maybe three or four credit cards but many have a wallet full of credit cards that do not help …

The riskiest places to use a credit card include those locations that increase financial risk and risk of identify theft. Places where credit card risk are highest are more likely to lead to the loss …

If you have a bad credit score, it can be very hard to get credit. If you need a loan to buy a car, a home or a major appliance, having bad credit can seriously …

The Santander Bank offers two credit cards, the Standard and the Zero. The Santander Standard card is a competitive choice for those seeking a balance transfer card with a long term zero percent APR of …

Consumers are well used to the lure of cash back and reward program credit cards. It is unusual though to find a debit card which offers the same kind of incentive: in fact they are …

Over the last several years, many credit card issuers have begun to issue credit cards that offer travel rewards to the people that are requesting them. These travel rewards credit cards offer points for certain …

Unlike the majority of other crimes identity theft may not become apparent for some time after the crime has taken place. Sometimes months or even years may pass before it becomes apparent that you have …

Many consumers are easily mislead when selecting a credit card. Attracted by what appears to be a good offer on the headline advertisement, they can be surprised when they start to use the card and …

Getting control of your credit card debt is key to personal financial success and personal happiness. There are some basic and easy things you can do to get your situation under control. First step in …

Credit Card Debt Problems Credit card debt can be a scary thing for millions of people, and rightfully so. It can be damaging in the long term due to low credit scores. A low credit …

You’re off and running, in college, getting ready to enter into the wonderful world of adulthood, where the financially responsible reign supreme, and having a clean credit rating is necessary. And then it hits you: …

Prepaid debit and credit cards can build credit, but not in the same ways as a secured or unsecured credit card does. Since prepaid cards are structured differently, understanding how they work and what benefits …

Teaching a child financial responsibility is of high importance. Contrary to what many parents believe, simply using the right words is not enough for a child to learn to manage his finances effectively. In order …

Citizens Bank offers two great cash back credit cards which give a one percent return on all purchases in addition to card holder benefits. Consumers can choose between the Citizens Bank cash back Platinum MasterCard …

A debit card acts much the same way as a credit card but unlike a credit card it is secured with your own money. There is actually no credit involved. There are 2 types of …

The optimum way of ensuring you can obtain a credit card in a tight credit market is to have excellent credit. Risk averse lenders still want new business: they just want to avoid the consumers …

Low-interest credit cards seem like a good idea until you read the fine print.  Following the credit crash of 2009, Credit Card companies are less likely to offer low-interest cards, but even when they do, …

Topman store cards, issued by the Santander Bank, can be used in a variety of stores within the Arcadia group. The card thus offers convenience to shoppers who frequent not only Topman but also Topshop, …

I hope you are not reading this because you have lost a credit card, or had one stolen. Remember the old saying that “an ounce of prevention is worth a pound of cure”! In order …

Credit sucks. Don’t get me wrong when you have an emergency it can be great.  Most of the time credit is just the credit agencies way of handing you the rope.  They hand it to …

Filing a bankruptcy is a horrible feeling. Many choose this option as a last financial resort after trying everything to fulfil their financial obligations to creditors. There are times that bankruptcy is simply the only …

Money Magazine named Capital Ones Venture Rewards card “best rewards card if you aim to rack up airline miles.” The card offers 2% on all purchases towards unlimited air miles which never expire. Air miles …

The UK credit card market has never been more competitive and one of the more recent providers to offer accounts is the telecommunications giant BT. The card is actually issued by MBNA Bank International, but …