Factors That Trigger Credit Card Rate Hikes
Are credit card companies trying to scam you? On the one hand,
they provide a valuable service that gives you the added
convenience of being able to purchase items and services you
need and sometimes don't need and to pay them off in a...
Government Credit Repairs
If you are building a credit history, suffering bad credit or else your credit is great, there are sources available that will help you maintain credit, repair credit, and build credit history.
If you have bad credit you must at least apply for...
Kill OFf Your Evil Credit Cards with a Home Equity Line of Credit.
Ok, tired of those ridiculous credit card statements? Time to refinance! If you own a home chances are your bank will help you out with your bills...and at rates that at a fraction of what your existing credit card rate. If you are paying the...
When You Are Eligible For A Free Credit Report
By Federal law, you are entitled to one free credit report per year directly from a credit-reporting agency only if you certify that: 1. You are unemployed and seeking employment in the next 60 days. 2. You are receiving public...
Your Guide to Credit Repair Services
There are many people today that are in great need of having their credit repaired. There can be
many reasons why people need there credit repaired. Some people have bad credit due to medical
bills. Some people just made poor spending decisions....
New Year's Resolutions: Save Your Credit and Your Marriage
Before you whip out your credit cards this year, consider this:
more than 70 percent of divorces in America are brought about
due to financial problems. It's so easy to use your credit cards
to buy items you want. But stop and think first.
Overwhelming debt is stressful from a financial standpoint, but
financial stress can also damage your relationship. More lovers
fight over spending money than any other issue. In fact, the
average American consumer carries so much credit card debt that
they're only three paychecks away from having to declare
bankruptcy.
Understand that when you charge something, you will pay, on
average, more than 130 percent for that item than if you pay
cash for it. And, if you only make minimum payments, you're only
paying ten percent towards the charged item and ninety percent
interest. If you are one of the millions of Americans who are
only paying the minimum amount on your charge cards, start
paying MORE each month. Even if it's only a little more.
Reducing the principal balance will shorten your overall payment
schedule--sometimes by hundreds or even
thousands of dollars.
Stop charging consumables such as
Gasoline. It just burns up!
Children's clothes. If you pay over six months, you're
paying for outgrown or worn out clothes.
Food. You don't want your credit in the same place food
ends up.
Entertainment. Is a night out worth a possible fight
about money?
Gifts. Think about making a gift instead of charging an
expensive present.
Use your credit wisely. Pay cash whenever possible, and try to
live within your means, even if it means doing without some
things. Don't risk your marriage with unnecessary credit card
debt. Include monitoring your credit card use in your New Year's
Resolutions.