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The Best Purchases to Make on Your Credit Card

August 5, 2016 Leave a Comment

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.

Tips To Manage Credit Cards When You Are In Debt

September 16, 2015 2 Comments

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.

How To Pick The Best Credit Card From a Thousand Cards

May 11, 2015 2 Comments

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

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

January 27, 2015 Leave a Comment

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.

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

July 16, 2014 Leave a Comment

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.

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.

Making the Most of Your Credit Card

October 28, 2013 6 Comments

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.

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.

Should I use Credit Card or Debit Card

August 19, 2013 6 Comments

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

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.

14 Major Tips Not To Live With a Credit Card

July 26, 2013 13 Comments

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.

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.

The Balance Transfer Game – How To Play To Win!

June 19, 2013 20 Comments

We get balance transfer card offers all the time. Unfortunately for those banks and fortunately for us, we do not carry any balance on our cards. We pay in full every month. For those who are already in credit card debt, this guest post from Joshua can be very helpful. Read and enjoy the post!

Have you heard of the balance transfer game? It seems to be all the buzz on several finance blogs that I follow and, rightfully so. Those who play the game and win…WIN BIG! But, those who play the game and lose…LOSE BIG! And in the game of personal finance, the difference between win and lose can be the difference between financial stability and financial hardship.

Helping you to Prevent Credit Card Fraud and Scams

May 8, 2013 10 Comments

Credit card scam is a pretty broad ranging term which encompasses theft as well as fraud which are committed by a credit or any other payment mechanism that is similar to it. The definition is pretty straightforward.

If a card is used to obtain goods without the intent to pay for it or to obtain illegal funds from another account, then that is a credit card related scam. Contrary to popular belief, this isn’t something that rarely happens. In fact, it is a crime that’s quite prevalent worldwide.

« Previous Page

The Best Purchases to Make on Your Credit Card

Tips To Manage Credit Cards When You Are In Debt

How To Pick The Best Credit Card From a Thousand Cards

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

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

Making the Most of Your Credit Card

Should I use Credit Card or Debit Card

14 Major Tips Not To Live With a Credit Card

The Balance Transfer Game – How To Play To Win!

Helping you to Prevent Credit Card Fraud and Scams

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