Credit card debt is perhaps the largest reason why so many Americans go into debt every day.  The major drawback to using credit cards is that too many people overextend themselves and find they are in a vortex of high interest credit card debt.  It can be far too easier to apply and be approved

Credit card agreements – all of those papers that come along with the new credit card – are well known for having fine print that outlines terms and conditions in language that can be difficult for the average consumer to understand.  Often what you don’t know regarding the terms disclosed can hurt you.  However, that

If a person has a good credit history, yet they want to lower the interest rate they have to pay on their credit cards, they could consider getting a credit card with a balance transfer promotion.  What is a credit card balance transfer promotion?  A credit card balance transfer promotion is when credit card companies

Credit card companies lure us with low or even 0% introductory interest rates and we sometimes lose sight of what happens when the introductory rate goes away.  When your honeymoon period of six months or a year is over, the so-called “go to” rate is then in effect.  This credit card interest rate is one

One of the first lessons to learn in financial management and credit is to manage your debt and manage your debt payments.  In order to manage credit and debt it is essential to understand the relationship between the cost of credit and interest rates.  Understanding the relationship between the cost of credit and interest rates

The Citi CashReturns® Credit Card is one of the most recent credit card offers in the category of rewards cards being promoted by Citi Cards.  This Citibank MasterCard offers a combination of low rates with cash back rewards program.  The Citi CashReturns MasterCard is marketed primarily towards consumers who have a good credit history and

The Chase +1 Student MasterCard is one of the more unique student credit cards marketed by Chase credit cards.  This credit card offers a distinctive rewards program and has some of the best credit card rates in the student credit card category.  The credit card reward points earned on this credit card are called Karma Points. 

Credit cards are bad, right?  They entice you into running up monstrous amounts of credit card debt from which you can never recover, and then they swallow your children and keep your grass from growing.  Get real.  Of course credit cards aren’t bad when they are used properly.  In fact, for some purchases, a credit

One of the worst things about losing a credit card is that you often don’t know it’s missing until sometime much later.  If you use it ever day you may realize it immediately but most people carry more than just a couple of credit cards and one could be missing for a while before you

Credit cards can be a very useful tool to establish credit for young adults, those with previously damaged credit or adults that have had limited credit histories. Developing a good credit history and establishing good credit habits and is essential to understanding how to manage personal and business finances.  Developing a good credit history and