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When Is The Right Time To Transfer Your Credit Card Balance?

March 24, 2017 1 Comment

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Managing your money can seem like a complex thing to get right. Indeed, one in six adults is said to have financial worries in the UK.  And, in the USA, that is one in every three adults. The key to keeping on top of things when it comes to your finances is to understand all of the options open to you and when to use them best to your advantage.

When Is The Right Time To Transfer Your Credit Card Balance

One clear example of this comes with the use of credit cards. These little pieces of plastic are, according to the UK Cards Association, used to make almost 300 million purchases a month in the UK. But how to best manage a credit card?

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How do Credit Cards Help Improve and Maintain Your Credit Score?

November 16, 2016 3 Comments

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This post is dedicated to my Indian readers. As the government takes a landmark decision for demonetizing the existing Rs. 500 and Rs. 1000 banknotes, while leaving the use of plastic money unaffected, it is sure to affect the way people look at plastic money. The decision will have a lesser impact on people who already use credit cards and debit cards while greatly affecting those who rely heavily on cash.

Credit Cards Help Improve Credit Score

Though the use of credit and debit cards has increased in the last few years, a majority of Indians still prefer to transact in cash. While most of the people do not like the idea of using credit cards due to a fear of overspending, some of them shy away from as they believe it would harm their credit history and bring down their credit score.

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The Best Purchases to Make on Your Credit Card

August 5, 2016 Leave a Comment

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In order to get a good credit score, you need to be using credit, but many can be wary when using credit cards, all too aware of the potential problems that they can cause further down the line. However, with some savvy shopping and a good understanding of how to build up your credit rating without ranking up a debt too, you can start to reap the rewards that many credit card companies will offer.

The Best Purchases to Make on Your Credit Card

Whether you’re looking to apply for a new card, or you want to start using your existing card more, below you’ll find some top items to purchase that can help you to build your credit.

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Tips To Manage Credit Cards When You Are In Debt

September 16, 2015 2 Comments

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The debt crisis is the most unpleasant phenomena faced by billions around. Many people drowning in debt have started reading particularly about mortgages, student loans, delinquent taxes, and unpaid medical bills. As a consequence, this article will help you determine your priorities for debts and devise a strategy to manage it.

Tips To Manage Credit Cards When You Are In Debt

A Harvard professor of contract law remarked in a recent article that credit card contracts are exceedingly complicated that even he finds it hard to understand it. As a result, a contract for a mortgage, a car loan, a lease, a purchase order, or a new employee mentions precisely how much you will get in return, a credit card contract is a list of rules that change what you are required to pay when they are triggered by some events.

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How To Pick The Best Credit Card From a Thousand Cards

May 11, 2015 2 Comments

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There are a thousand credit cards available in the market. Whereas, individual carries, on average, 2 credit cards. So, how to shortlist? How you’d zero in on a few credit cards from seeming an infinite number of options? Choosing a right credit card has become one of the most important topics of personal finance. But, I haven’t written up on this earlier. Let me cover every step that one must take to pick the best credit card fitting to their need.

How to Select Your Credit Card, A Step By Step Guide

 

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Credit cards For those who don’t have credit Score – How to Get one

January 27, 2015 Leave a Comment

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Having a credit card helped me establishing my credit when I first landed in the US in 2005. I started from no credit to 800+ FICO score in 7 years. Having 4 credit cards (starting with a secured credit card from BofA) and one car loan helped me reach there, along with on-time full balance payment throughout. So, credit cards help in increasing credit score.

How to get a Credit Card

In this article point the how you can secure a credit card to better your score. While reading this, do keep in mind that credit cards are fool’s poison. A wrong use can ruin your life. Especially if you have had problems paying credit card dues, I’d advise you not to use credit cards again. Else, continue with the article and I’d help you securing a credit card even if you now have a bad credit.

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Bank Debit Cards vs. Credit Cards: Does It Matter?

July 16, 2014 Leave a Comment

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If you open any wallet, you’ll find that most people have at least one debit card and one credit card. This is how they pay for things, such as groceries, gasoline and personal items. Some people prefer one over the other; and if you’re deciding the best card for your need, you may question whether to stick with a bank debit card or take a chance with a credit card.

Credit Cards, Debit Cards

At the end of the day, there are no wrong or right answers. There are many reasons why some prefer credit whereas others prefer debit. about a year back I posted on same topic, whether to use a credit card or debit card? If you’re on the fence and can’t decide the best approach, it pays to consider the benefits — as well as the disadvantages — of both methods of payment.

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Making the Most of Your Credit Card

October 28, 2013 6 Comments

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Many view credit cards in wrong way, for them using credit cards is a sin. Credit cards encourages people buying things that are not affordable. True, the same way carrying gun is a sin. But, in reality neither is a sin. As long as you know how to use them and most importantly, how and when not to use them, you should be doing wonders. One will protect yourself from evil and the other will bring your comfort.

Credit Cards

As I discussed in how to handle your credit cards, to make most from your credit cards, you first need to pay entire balance each month. If you don’t do that then you should not use a credit card, period! Credit cards should not be used as personal loan.  There are other reasons to get personal loans. So, in order to enjoy all the good things a credit card offers, you’ll need to maximize the rewards and make the charges and fees zero.

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Should I use Credit Card or Debit Card

August 19, 2013 6 Comments

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One very often discussed topics in personal finance discussion is whether to use a credit card or debit card. Many experts and famous bloggers suggest using debit cards only. Mainly because debit cards can’t put you in debt. You may not be able to buy items that can be bought using a credit card. Here’s what I do in my situation

Credit Cards

We are 30 something, single income family of two. We live in rented apartment, never been in debt, even saving to buy our first house without mortgage. Naturally, we know how to handle credit responsibly. Due to my upbringing in a lower middle class family in India, I know what is essential and what’s luxury, which is quiet different from what average American perception of luxury vs. need is.

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14 Major Tips Not To Live With a Credit Card

July 26, 2013 13 Comments

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Most Americans never seems to realize how much they lose over late payments for their credit cards. They will only realize when the credit card companies fights with them over their interest rates.

Credit Cards

Personally I have been a victim of being charged high interest rates over just one late payment. My credit card company doubled my interest rates and piled huge fees on one late payment that I forgot to clear.

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