Featured Credit Card Articles

Using Credit Cards Prudently

A credit card is an incredible convenience that has immeasurable rewards and benefits, but it can lead some people into trouble because they don’t have good training in personal finance, or find they are living in difficult circumstances. If we haven’t found ourselves in credit card trouble we probably know others who have. The way you use your credit card is a serious matter that is taken for too lightly by many charge card users. If you think you are below average in the way you use credit,

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Hazards of the Credit Card Advance

It’s two days before pay day and you are broke. Your brother is out of town so you can’t ask him for $50, and you are worried that the very attractive co-worker you’ve been flirting with will ask you to lunch and you’ll have to come up with a lame excuse. So, the dreaded credit card advance is tempting you. Get a grip. This is one of the last things you want to do. Let us count the ways in which this is a bad idea. First, there is usually a fee for a cash advance. Did we say usually?

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Don’t overlook that a credit card company can impose late fees, increase your interest rate and cancel your rewards for the month if you pay your bill late.

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What’s the best way to establish a credit history if I have no credit history now.
Three steps will start you down the right path. The first is to have or open a bank account. Any application for credit will ask for this information. The second is to obtain a credit card. Talk to a bank or a credit union or someone you think is smart with money to help you get the right card. Apply for a card for which you know you will be accepted. Third, always pay your bill on time and in full if possible. Keep up that third part and your credit rating will look great.
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