There is nothing new about credit as it has been used for centuries, but in today’s society it is far more widely used than ever before. Credit simply involves paying for something later and in …
When a person dies he or she stops paying bills. Some or all of those dead people might have and used one or more credit cards to charge purchases to such cards when they were …
Taking out a loan can seem like a good idea when your savings are low but your income is large and steady. Why not go ahead and get that new car or bigger house? Or …
Anyone who routinely carries a balance on their credit card is best served by a card with a low interest rate. Whilst offers abound with low introductory rates, these are displaced when the standard APR …
These days applying for credit can be like playing a lottery – you never know if you’re going to be accepted or not. However, there are some ways that you can ensure that your credit score is …
Barclaycard offer a choice of four Platinum cards, allowing applicants the ability to select the card which is best suited to their needs. Consumers can choose an extended zero percent balance transfer period or opt …
The Fair Isaac Corporation takes into account many different facotrs in calculating your credit score. The interesting thing that I have noticed is that certain practices can both raise and lower your credit score. Lets …
It is an admirable thing for young people not to be sucked into the credit card trap, but to live within their means without using credit. However the disadvantage of doing this is that they …
Increased regulations in the credit industry, combined with the growing number of risk averse lenders, has resulted in a huge reduction in available credit. Those who have less than perfect credit can well find that …
When your child learns how to budget and be responsible with money, this is a skill that he will carry with him throughout his life. It will affect his credit score. It will affect his …
Credit rating agencies are corporations which collect information on consumer credit accounts (like mortgages, credit cards, and car loans), and use this information to assess the degree to which a person reliably pays back their …
As credit card rewards go the program offered by the BT credit card is a paltry one, giving a reduction of one penny on BT phone bills for every £1.50 spent on the card. This …
With the recession in full swing, more and more people are realizing that their spending habits with credit card usage have gotten out of control. As a result, they are finding it harder to meet …
Today’s buy now and pay later philosophy can have detrimental effects on your credit score rating. With this in mind, there are some steps that you can take to improve your credit score. A credit …
Your Fico credit score is a vital figure which is hard to get away from as so much emphasis is placed on it in so many areas of life, from your employment prospects to your …
Although credit cards have a place in today’s society, they can also cause various problems for the user. Identity theft has risen sharply and there have been cases where someones credit card details have been …
In today’s world of looming financial crisis, home mortgage foreclosure epidemics, and rising unemployment rates, all people are looking for ways to reduce their debt obligations, and fast. There are several ways to make a …
Credit cards, as a whole, are essentially convenient spending implements, designed to charge you for using your own money. However, as opposed to discussing the evils of credit cards and how they are capable of …
Most of us have some sort of access to credit, and most of us have access to at least one credit card. Some have more than one credit card, while some choose to not have …
Credit cards, used properly, can assist you in becoming financially successful, and can even make you money. The key is to be disciplined in your use of your credit card. The following 5 tips will …
The use of credit cards costs everyone in the form of higher prices for goods. Retailers are charged a merchant fee to process credit card transactions, which is passed onto all customers. It is illegal …
Car rental insurance charges can sometimes exceed the rental rate itself. Car rental companies make millions of dollars on these excessive fees because consumers are unaware of their own coverage or scared into buying coverage …
The vast majority of us know in principle precisely how to avoid debt but the reality is that – as with so much in this life – the theory does not always translate in to …
Most people have heard of the three main credit bureaus, Experian, Equifax and TransUnion. They are a solid trio and their reports are used to compile your Fico credit score. Yet millions of people do …
Separating a household is difficult and often the divorcing couple may find themselves at odds over the smallest things. The details can be overwhelming. One or perhaps both husband and wife will need to relocate …
In this age of identity theft, losing your credit card or having it stolen is extremely frightening. We constantly hear stories of people having their credit score annihilated, being charged thousands of dollars in unauthorized …
Many people in today’s instant gratification society are piling up credit card debt like there is no tomorrow. These people are constantly trying to find quick and easy ways to raise their credit rating score. …
Divorce is an emotionally devastating experience in most cases. However, if you are not financially prepared, it can be financially devastating as well. On the other hand, if you are financially prepared, this can take at least …
It sounds like signing your credit card shouldn’t take any thought at all. Of course you just sign it. Today people are questioning whether or not they should sign their credit card, after all this …
Once credit reputations becomes tarnished with bad credit then it becomes extremely difficult to find credit which does not come at a hefty price. The only way to move out of the murky waters of …