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Credit Cards

Save Money at Checkout

Every time we use our debit cards, we have to make a simple financial choice at the checkout: credit or debit? There are benefits to making either choice and only you can decide which one works for you.
Choosing the credit option:

usually provides the added layer of consumer protection that comes with credit cards (even though […]

Responsible Credit Card Use: Set Your Limits

For those of you who are trying to re-establish your credit health or for readers who are serious about getting their financial life in order, here are a couple of things to remember regarding responsible credit card use.
1. Pay in full. Use your cards if you need to, but use them sparingly.Try not to carry […]

Christmas Is Upon Us: Spend Wisely

During this point in the year, I can’t stop thinking about the thousands of dollars that are being charged on individual credit cards across the country. I talked about Black Friday yesterday, so I won’t dwell on the topic too much. For those of you who think I don’t understand Economics 101, I want to […]

How To Lower Your Credit Card APR

From time-to-time, we hear of ways to lower your credit card’s APR. “Just pick up the phone and call your bank,” they say. If you’ve tried to do lower your cards APR, you may find that it’s not that easy. You do have to do the work to get your annual percentage rate lowered. The […]

Warning: The Credit Card 0% Transfer Game

From time-to-time, I run across fellow personal finance bloggers who think you should try to play the credit cards against themselves. They suggest transfering balances from 0% introductory rate to 0% introductory rate. Or they suggest opening credit cards and reaping the benefits of the rewards programs.
My thoughts on this: Proceed with caution.
There will be […]

Minimun Payments & Your Credit Cards

Sit down because I am about to state the obvious: Businesses exist to make money from consumers. (Shocking, I know.)
Credit card companies are a business and you, the holder of the credit card, are their consumer. I’ve blogged about how credit card companies make money off of you by charging various fees for varios things […]

College Students & Responsible Credit Card Use

Although not my primary audience, this post is for recent high school graduates who, in a mere matter of days, will be heading off to college to embark on the inagural days of their adult lives.
During orientation, there will probably be a local bank on hand to help you open a checking account. If you’re […]