Getting a divorce can be painful for both parties and can be even more painful if you have joint credit cards.
Equal Credit Opportunity What Can Creditors Do?
Credit is used by millions of consumers to finance an education or a house, remodel a home, or get a small business loan. Creditors have rules to follow so make sure you know the rules and ensure that they are followed.
Credit – You Have The Right To…
Know your rights – your credit rights. There are laws to protect you – but – you have to know the law.
Credit Cards And Personal Budgeting
When you apply for and receive a credit card, you will want to take the time to create a detailed budget for your familys finances. Without a budget, and without carefully planning the credit card expenses, you could fall into the credit trap that many individuals have found themselves in. Swimming in a sea of debt that they have no way of getting out of. Having a credit card is a wonderful way to ensure that you have access to funds in the event of an emergency, or for use …
Credit Card Rewards Programs: Rewarding… Or Not?
In 1950, the first credit card that could be used at more than one, specific merchant emerged on the market. The Diners Card, started by Frank McNamara, was an invention that got its start when Frank was having a business meeting over dinner, and realized he had forgotten his wallet at home. Of course, the man was extremely embarrassed, and had to call his wife and ask her to bring him his wallet so he could pay for the bill. Then the light bulb over his head turned on, and …
Credit Card Security
This is the age of plastic money. It’s not uncommon for the typical consumer in the western world to go weeks at a time without ever handling a coin or bill. Everything we need is available to us with the simple “swik-swik’ sound of a credit card sliding through a reader. Supplies for the office, flowers for the wife, meals and drinks out, and an endless supply of useful products available for sale through the Internet can all be bought with naught a cent to be seen.
The …
Be Smart With A Credit Card And Use It Wisely
Owning a credit card is something that can be a very positive thing as long as it is used responsibly. There are many ways for people to use credit cards to their advantage, but there are also ways for credit cards to get people into financial trouble. By following a few simple tips related to managing credit card usage, a credit card can be a very beneficial piece of plastic to own.
Establishing Credit
For anyone who has never before owned any sort of credit card and ha…
Choose A Credit Card Based On Its Terms And Conditions
Almost everybody receives numerous credit card offer letters in their mailboxes at least once a week if not every single day. The envelopes usually contain some sort of wording like, “This is the last chance!” or, “Offer Expires Soon!”
With so many pieces of mail arriving on a frequent basis, all written with similar “rush” tones, it’s hard to figure out which one is really a genuinely good offer. It can be tough to compare the differences between potential credit card ac…
Advantages Of Using A Credit Card For Monthly Expenses
A credit card can be a great tool for managing your monthly living expenses. Using your credit card to charge all of your bills and purchases can make life easier. When used wisely, this approach can save time and help you maximize your credit cards rewards program.
Establish a budget
The first step to successfully implementing this strategy is to set up a monthly budget. When you set limits for yourself, you can be sure not to charge more on your card than you can pay…
Applying for Credit A Regular Catch-22
We live in a Catch-22 world. You cant establish credit unless you have credit. You cant get a loan until you have a history of good credit but how do you get a credit to begin? Being a good shopper and always paying with cash will come back to haunt you when you want to make a major purchase like a car or a house.
Help Your Small Business Succeed With A Credit Card
One of the many difficulties of starting a small business is gaining access to capital during the startup phase. With the large growth in small specialty businesses across the country, credit card companies are beginning to design special programs to help this new breed of business achieve success. For even those small businesses that have access to capital, the perks and benefits associated with small business credit card programs, can still be useful to help you compete mor…