Advice Center
6 Mistakes That Will Hurt Your Credit Score
It's possible to pay all of your bills on time and still make mistakes that will hurt your credit score. Paying your credit card bills on time simply isn't enough to keep a strong credit rating. Here are 6 mistakes you need to avoid to establish and maintain a strong score to help you get better interest rates on future credit needs:..
What Are the Perks of a Business Credit Card?
Business credit cards are much different than they were years ago. In fact, business credit cards have come such a long way that making a decision about which credit card to use for your business can get overwhelming...
What to do with Multiple Credit Cards
There is no denying that there is a need for credit cards in today's society. Some purchases or reservations require a credit card – including travel reservations, hotels, and car rentals. If you want to buy something by phone or online, you typically need a credit card, or at the very least, a debit card, to make the purchase. The average American credit cardholder has more than five credit cards, however, which is probably three or four more than what you actually need...
Best Credit Card Deals Online: Tips for Choosing Your Next Card
Credit cards seem to be everywhere, and they are easy to find online. In fact, there are so many options on the Internet that it can be difficult to sort through them all. If you’re looking for a new card, rest assured that you can find a good deal online. Here are some tips to help you find the best credit card deal online...
When Reward Credit Cards Make Sense and When They Don’t
In today’s economic times everyone is looking for what they can get for free or for a great bargain. Perhaps this is one reason why reward credit cards are so popular and enticing to consumers, as they offer you something in return for using them. The question you need to ask yourself before jumping on the bandwagon is whether or not reward credit cards are worth it? Will you actually benefit when you sign up and use a reward credit card? The answer is maybe yes and maybe no. Here is what you need to know to help you decide whether or not a reward credit card is right for you...
Should You Co-Sign For Your College Students

 

Before the CARD Act, the average undergraduate college student had $3,173 in credit card debt. Credit card issuers would set up tables on college campuses, offering free Frisbees, t-shirts or pizza for students who applied for their student credit cards. It didn't seem to matter whether the students had jobs or a credit score to support their ability to repay the credit cards. The result was a large percentage of college students with more debt than they could handle, and young people with college degrees but ruined credit scores.
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Four Easy Ways to Avoid Credit Card Debt
Having a credit card can be a smart financial tool. Yet every year, many consumers find themselves facing high balances and a growing amount of credit card debt. If you’re concerned about debt problems, there’s good news for you: with a few steps, you can stay ahead financially. Here are some ways to help you avoid credit card debt...
0% Balance Transfer Credit Cards: A Simple Solution for Credit Card Debt
Is this the year you want to get out of debt? For many of us, we’ll answer yes to that question. With the economy tightening on practically a daily basis, many consumers are looking for ways to cut down on expenses and get out of debt...
0% APR Credit Cards: Are they as good as they Sound?
A growing number of credit cards advertise a 0% APR feature. Essentially, this means you will not be charged interest on the balance you carry for an initial period of time. Not having to pay anything in interest sounds like a great deal, but is it too good to be true?..
Bad Credit Credit Cards: When to Apply for One
If your credit rating takes a hit, you may find it hard to get a new credit card. Lenders today are looking for customers with well-established credit, and if yours doesn’t measure up, it can be tough to get approved. This poses a problem for many who have fallen into problems related to the current recession in the country...
Five Ways to Rebuild Credit with Credit Cards
Five Ways to Rebuild Credit with Credit Cards If you want to rebuild credit, you can do so with the right credit cards. After applying for a card, you can develop habits that will help increase your score. Once you have a better rating, you’ll find more financial opportunities. Here are five ways to rebuild credit and improve your future..
Preventing Identity Theft and Credit Card Fraud: How to Protect your Credit Information
According to a recent poll by Experian, one in five Americans has reported they have experienced some form of identity theft. If it happens to you, and your identity is stolen, you might be in for a lengthy hassle that could cost you your credit rating and leave a permanent blight on your financial records...
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