Learn how to manage your credit cards, find the best credit card and tips on how to lower credit card interest rates.
In a world where online retailers are taking over, using plastic to pay for things is almost…a must. And I say that with caution, because I’m a huge fan of cash…among many benefits, it limits your spending, since once there’s no more cash in your wallet, you can’t buy anything else. With credit...
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The holidays are over – but the debt isn’t – especially if you used your credit cards to finance your holiday purchases. As the credit cards statements start arriving in the mail over the next few days, here are some tips on how to tackle your holiday debt. 1. Figure Out Exactly How Much...
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Heading back to school or college and in need of a credit card? If you’re thinking of applying for a credit card to be able to live a better lifestyle and spend more money, you have the wrong mentality! If you want a credit card so you can start building good credit, you’ve got...
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Got credit card debt? You’re not alone. Americans have 609 million credit cards, according to the Federal Reserve Bank of Boston – with an average of 2.7 credit cards per consumer. Credit card debt causes huge strain to your financial and personal lives. The average household has $15,788 in credit card debt, according to...
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One year ago on February 22, 2010, the epic Credit CARD Act took effect, which aimed to reform the entire credit card industry and help young people under age 21 steer clear of credit card dangers. Now one year later, was the CARD Act a success? The simple answer: yes and no. Studies published...
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Oh yes, the days of tons of credit card debt are back. According to the Federal Reserve, the amount of consumer credit card debt increased in December 2010 – we haven’t seen a jump in the amount of consumer credit card debt, since 2008, which was the height of the Great Recession. Revolving debt...
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The holiday season is long over, but for most, the credit card statements have arrived, showing every dollar we spent in December. If you racked up hundreds or even thousands of dollars in credit card debt over the holiday season, take into account the following: 1. How Much Debt Do You Have…and Why? While...
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The holiday shopping season is approaching. According to The National Retail Federation (NRF), on average, consumers are expected to spend almost $700 on holiday gifts this season. The NRF says sales should be up 2.3%, which is much better than last year’s increase of 0.4%. The holiday season is typically the time when consumers...
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Department store credit cards sound great! Use the credit card in a specific store and receive a 10% or 15% discount on all of your purchases. No! We’ve compiled the top 3 reasons why department store credit cards make no sense! 1. Credit Score: Department store credit cards are very easy to open up...
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From reading HelpSaveMyDollars.com, you know that I can’t stand how credit card companies set up marketing tents and booths on college campuses to convince students to sign up for credit cards. And with the Credit CARD Act of 2009, some relief came when the new laws prohibited credit card companies from giving out incentives...
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HelpSaveMyDollars.com is a personal finance website to help consumers save money, pay off credit card debt and budget wisely. Use our free Expense Calculator to track expenses and save money. Learn how to pay for college tuition, how to increase your credit score and save for retirement by visiting the HelpSaveMyDollars.com Personal Finance page. Stay informed with articles about the latest business news and how it affects your bottom line.
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