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For many people, credit card debt becomes just another burden they feel they have to bear. They become complacent, continuing to carry balances throughout their working lives, and into retirement. How do you get to the point where credit card…
Zero percent balance transfer credit cards offers are back. In the past few months, I’ve talked about how to best use a balance transfer, and I’ve offered tips for how to responsibly use 0% balance transfer credit cards to get…
People have become more and more displeased with their banks. High interest rates, credit card fees, and poor customer service have left them clamoring for change and better treatment. The Credit CARD Act of 2009 is a step in the…
When credit cards are used wisely, they offer an incredibly convenient way to pay for goods and services. They fit neatly in your wallet, you don’t have to carry loads of cash, and you can easily shop from the privacy…
You’ve likely heard the horror stories of people who lost their jobs or faced another life-altering event that caused them to fall behind on their credit card payments. This usually results in plummeting credit scores, which can lead to the inability to…
Have you ever heard someone talk about how they use their credit card and just had to shake your head? Though the Internet is filled with good advice on how to use credit cards and rewards wisely, some people are…
When I was younger, I tried to close my unused credit card accounts to boost my credit score. I never carried a balance, but I thought if I had too many credit cards, I wouldn’t be eligible for new lines…
When people fall on hard times, they react to their new reality by taking a far more cautious approach to their personal finances, which includes turning towards other methods of payment for their daily spending. Although many people rely on…
I have a love-hate relationship with my credit cards. I can understand how they can be very tempting for shopaholics to use – especially those on a tight budget – because they’re a convenient way to pay without making the psychological commitment required…
Everyone knows that credit card debt is “bad” debt due to the high interest rates on most consumer credit cards, while mortgage debt is often described as “good” debt. But sometimes the distinction between “good” and “bad” debt isn’t so…
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