Mistakes to Avoid When Getting Your First Credit Card

Credit cards have been in the limelight in recent times for the wrong and right reasons. However, mostly it has been how people get easily into debts they cannot manage. All these just come to mismanagement of the credit cards and making misinformed decisions which only end up increasing the cost of the credit cards…


Protection Offered By the New Credit Card Laws to Users

Under the new credit act, there are a number of laws which are aimed at protecting the client or user of the card. All these are aimed at reducing the ease with which people fall into debt through credit cards. Much of the debts come as a result of high fees and exploitative interest rate…


3 Ways to Lower Interest Rates on Your Credit Card

Do you wish your credit card’s interest rate was a bit lower? You are not alone; many people have the same expectation. Lower interest rate simply means you can save more and focus on growing your income rather letting it all go with debt repayment. Fortunately, you can do something to lower your card’s interest…


Top 7 Benefits of Having a Credit Card

A credit card has numerous benefits if you use it judiciously. It helps you fulfill your needs; you can purchase anything with it. Given the benefits that the card accords to its users, you’ll find everyone with it in the United States, from teens to retirees. Here are the benefits:- Convenience when shopping – If…


Credit Card Basics You Should Know

Credit cards have become a staple in America and everyone seems to want one. Obtaining one requires you to give some information about yourself to your bank. This includes your full name, date of birth, social security number, physical address and an estimate of your gross annual income. This information is required by Federal law…


A Comparison of the Major Types of Credit Cards: The Pros and Cons

There are so many kinds of credit cards available in the market and each new day sees the providers come up with a new niche complete with a tailored credit card. Given the benefits of each card which are touted widely by the sales people and advertisements, it may appear that any card is ideal…


Rules and Regulations Governing Credit Cards

Credit cards are a permanent fixture in America. They avail financing opportunities for citizens who feel like they need them. They are available for everyone who qualifies and there are certain rules that need to be adhered to. These rules were implemented when the CARD (Credit Card Accountability, Responsibility and Disclosure) Act was enacted into…


Five Tips for Using Your Credit Card Wisely

Credit cards have been identified as one of the easiest ways through which individuals accumulate debt. This has led to new laws governing the sector and even with these laws, there is still much that is dependent on you if you are to avoid the trap of debt and enjoy the convenience of a credit…


Follow These Four Rules to Use Your Credit Card Safely

A credit card is a handy tool for making purchases in real time. All the same, using your credit card wisely can help you build a solid credit rating that you can use to secure a job, loan, or to obtain credit in a tight financial situation. For both existing and aspiring credit card users,…


Types of Credit Cards

Credit cards come in different types. The differences come in with the benefits, terms and conditions. Some will opt for less strict terms or perks like concierge service and travel insurance for those clients with a great credit score. Qualifying for any card will depend on whether you meet the terms. Standard credit cards These…