Credit cards from aqua are designed to help people build their credit history from the ground up. When used responsibly, they provide a strong source of credit with many different features and benefits that cater specifically for people who want to take control of their credit score and have financial...
This article was written by Logan Abbott. Logan is a personal finance and credit card expert with over 10 years of experience. He is also the editor of MyRatePlan.com, a leading credit card comparison website.
It’s tax season and that means you’ve probably been taking a good look at your finances...
I know that not everyone likes talking on the phone. I get it. It can be a little awkward, especially if you are calling your credit card company to ask for something that you want. This could be anything from lowering the interest rate on your card to having some fees waived. It’s very hard to...
When it comes to frugal living, many people advocate paying for something outright in cash. Obviously, that is wise because if you do not have the funds for it at the time of purchase, you probably will not have the funds for it when the credit card payment is due.
While I believe cash is the best option,...
This guest post was written by Jason Bushey. Jason is a personal finance blogger and the Editor of Creditnet.com, a leading online authority on credit card repair.
Bad credit credit cards get an unfair rap, but the fact of the matter is they’re actually some of the most important credit repair...
Identity theft is an unfortunate reality for consumers. In today’s environment, it is very easy for a thief to steal your personal information, including your social security number, and begin to charge up debts using your identity. Even if you are careful about where you share your social...
Credit Card (Photo credit: 401(K) 2012)
While many shoppers can’t wait to grab the savings that Black Friday offers, there are others who dislike spending hundreds of dollars on holiday gifts. I am one of them.
I enjoy giving gifts, but we are paying off some bills from my husband’s graduate...
Photo: HEMERA/THINKSTOCK
Across the United States debt takes its toll on members of all generations in various ways. Younger workers are struggling with high rates of unemployment and low wages causing them to rely more heavily on credit cards to get by. With heavy credit card use to make up for lost...
If you write a check or pay a bill electronically from your checking account but do not have sufficient funds to cover that check, you will be charged a non-sufficient funds (NSF) fee which often ranges from $20 to $30, depending on your bank or credit union. In addition, the person you gave the bounced...
As a certified credit counselor I spend the majority of my day helping people that have gotten in over their heads with credit cards. I am typically not a proponent of credit card use, however when used responsibly you can actually use credit cards to your advantage.
The credit-card game has changed...
There’s been a lot of fuss over credit ratings or credit scores in the past few years. This is largely due to the massive media coverage of payday loans. The press has generally portrayed these loans in a bad light and in so doing has left many people feeling wary about their credit score.
Your credit...
Many people rarely carry cash; instead, they use their credit cards for all of their daily transactions. There are plenty of good reasons to use credit—it is easily accessible, you can track your expenses every month through your credit statement, you don’t have to worry about running out of money,...
My husband and I have paid off more than $14,000 in debt in the past two years of our marriage. We still have another $20,000 to go in student loans. But we recently decided to upgrade from a small studio loft to a two-bedroom townhome. So I have to ask: Is it okay to spend money when I still have debt?
The...
This may sound like a silly question but credit card companies would lead you to believe it is not possible to live a cash only life. Their marketing teams push hard to make us believe life without a credit card is just not possible.
Those of us that have been in debt or are struggling to get out know...
Did you go overboard with your Christmas spending this year? I know I did.
Every year, I vow to stick to a budget for Christmas. Every year, I fail.
My problem is not just spending money on presents, but also all the extra spending that is done throughout the month, such as eating take-out a lot more...
Like it or not, your credit score can affect where you are hired, how much money you pay in interest over the course of a loan and whether or not you can even qualify for a loan. Since the start of the Great Recession and the housing market downturn, it is increasingly difficult to even obtain a loan. ...
