If you have fallen way behind on your credit card bills and have tried everything else, credit card debt arbitration — another name for credit card debt settlement — may be an option. But, this choice can have negative consequences.
Credit Cards & FICO Scores
Credit cards can be extremely useful to the average consumer, but can be dangerous when abused. Here learn tips on paying off your credit card bills in a timely fashion, the best card for your needs as well as information on how to use rewards to your advantage while avoiding high interest rates and annual fees. Have bad credit? We'll help you improve your FICO score. Feel overwhelmed with debt? Find info on consolidation, counseling services and other methods to paying off your credit card debt and getting your spending under control.
Using a credit card responsibly requires self-control, as well as knowing exactly what a credit card is and how its use affects one’s credit history, thus an entire financial life. Learn the proper way to use a credit card as well as the benefits to responsible credit use.
As an adult, your credit report is one of the most important pieces of personal information you can have. You can’t buy a home or a car without it. Staying on top of your credit report will ensure that mistakes are fixed promptly, and that you will be in the best position possible.
No matter how good your intentions, your credit card could easily become your downfall, and credit cards companies do everything they can to encourage you to spend more than you can afford. How will you avoid overspending?
Information about credit cards usually takes the point of view of the buyer. Here are some of the benefits enjoyed by merchants and entrepreneurs. Learn whether your business should accept credit cards for payment.
Credit card debt is often a spiral of unending monthly payments. Compounding interest is the culprit behind this spiral. Learn how to calculate monthly payments on a credit card so you can get out of debt faster.
Credit rescoring has become a popular and legitimate way to quickly correct bonafide credit report errors in a matter of a few days. Rapid rescoring is especially helpful when a consumer needs to raise their credit score to qualify for a mortgage.
Many issuing banks offer 0% interest credit cards to potential customers seeking their business. Are these offers valid? Or, is a catch 22 lurking somewhere within the fine print?
Before you apply for a credit card there are many things to consider. You want the credit card that best fits your needs without paying many of the unwanted fees. There are ways to compare the terms and types of cards so you are sure that you are getting the best deal out there.
Getting credit after bankruptcy or other financial problems can be challenging. However, there are still a number of ways to restore your credit and borrowing power at the same time.
Pre-paid credit cards are not as popular as regular ones because people do not understand how beneficial they can be to managing their finances. Read this article to find out what a pre-paid credit card is and if you should get one!
Want to improve your credit, but have a few negative remarks on your report? Removing a credit judgment can add points to your credit score, and ultimately help you qualify for better rates on mortgages and credit cards. Here are five ways to remove a judgment and improve a low score.
Now that you have decided to eliminate your credit card debt, it can be a very important decision of which credit card to you put most of you money towards. By choosing the strategy that works best for you, you can save yourself hundreds of dollars and keep yourself motivated as well.
Are you tempted to only pay the minimum amount on your credit cards every month? Do you feel like you can’t afford to pay more than that? Well, you might be paying a very high cost to do so. Read on to find out exactly how much minimum payments can cost you in the long run.
This three step process to lowering your interest rates is simple and easy to follow. Often, simply by calling the credit card company and following these steps, you can cut your interest rate in half and save yourself thousands of dollars.