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should i get a college student credit card?
11 Mar2010
Credit Counseling – Can It Get You Into More Trouble?
Does your heart skip when the phone rings? Are you afraid to open the mail and get another letter from a debt collector? If so, you are not alone. Many Americans are in debt up to their eyebrows and most don’t even know what options are available to help them. They just struggle paycheck to paycheck, make minimum payments and watch with frustration as the interest rates eat all the payment and the debt seems to just grow.
Particularly in these tricky economic times, people are increasingly concerned about their credit scores. Of course, whether the country is in a recession or not, it pays to keep on top of your personal finances.
Rewards Cards: Redeem Your Points!
8 Mar2010
Rewards Cards: Redeem Your Points!
I wrote previously urging anyone who still has a credit card that does not give them a “reward” for using that card to convert to a rewards card or switch to a credit card provider that has a rewards program. The reason? If you are going to use a credit card you might as well get something out of the experience. Of course, a rewards card makes no sense for the person who doesn’t pay off their card every month as the interest on the card will likely offset any points accumulated. So, if you are a savvy consumer who lives debt free you can accumulate points quickly and get some nifty stuff. Let’s take a look at one plan and how to make it work for you.
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