Credit Cards

Credit is an important part of everyone’s personal finances, whether he or she realizes it or not. One needs a strong credit score to do many critical things, such as obtaining a mortgage or applying for a car loan. If one has poor credit, there are various strategies available to improve a credit score. One…

When you get married, the last thing you are thinking about is how credit will affect your marriage. Your financial history doesn't change when you tie the knot. Your history, whether good or bad, will remain the same as will your spouse’s. No matter if your finances are perfect and you qualify for all the…

A Cashless Society - Pros & Cons There has been a trend in our society towards using credit cards at the expense of cash in the last few years. This has been widely discussed from a macroeconomic standpoint, but rarely has it been looked at through the lens of the consumer. The question remains whether…

Credit cards help people in a variety of ways. They help a person establish credit, which is vital when looking to buy a home or car. You need to have some form of credit in order do so. Without any credit established, it’s nearly impossible to get ahead in life. That is why when someone…

The responsible use of credit is something that few people truly understand. Getting your first credit card is an amazing experience. It means you are now responsible for your own finances and that you are building credit you can use someday for a larger purchase, like a house or a car. How Credit Works The…

What Is A Personalized Credit Card?Personalized credit cards are credit cards that have an image on them that you have chosen. Some banks and creditors offer this service and some do not. In most cases your personalized card can be picked from a given list of choices. Some companies even allow you to upload your…

Credit cards are a convenient way to pay for goods and services, and many cards also give you rewards for using them. Rewards, often called points, may provide you cash back or credits on things like travel or merchandise. If you receive rewards for using your credit card, you want to get the maximum amount…

The ability to conveniently make purchases with a credit card now and pay for them over the next few months is truly advantageous. Depending on the specific terms and features of your credit card account, you may benefit from rewards points, an introductory no-interest period, cashback rewards and more. As beneficial as using credit cards…

Many individuals fall into the vicious cycle of credit card debt. A lavish lifestyle, impulsive spending habits, etc. are some of the prominent reasons why people become debt-ridden. If not fixed on time, the debt keeps on increasing along with the amount of interest. Threatening calls from creditors and stress become common once you get…

Many individuals fall into the vicious cycle of credit card debt. A lavish lifestyle, impulsive spending habits, etc. are some of the prominent reasons why people become debt-ridden. If not fixed on time, the debt keeps on increasing along with the amount of interest. Threatening calls from creditors and stress become common once you get…