Credit/Debt Management Sitemap - Page 2 2016-09-26

Are You a Prime Borrower?
Prime borrowers are considered to be the most creditworthy borrowers because of their high credit score and history of handling credit responsibly.

What Is a Return Check Fee on a Credit Card
If your credit card payment is returned by your bank, you might get charged a returned check fee from your credit card issuer as a penalty.

What is a Secured Credit Card
A secured credit card is an option for those who can't get a regular credit card; people with bad credit or no credit history, for example.

Credit Report Public Record Definition
Certain public records can be listed on your credit report and have a devastating effect on your credit.

Credit Card Account Statement Closing Date
Paying attention to your credit card account closing date is important for managing payments and protecting your credit score.

Authorized User Definition for Credit Cards
A credit card authorized user is someone who is able to make purchases on a credit card, but isn't legally liable for the credit card balance.

What Is The Fair Credit Reporting Act (FCRA)?
The Fair Credit Reporting Act is a federal law that details how consumer credit information can be collected, given out, and used.

What is a Credit Card Default Rate
A credit card default rate is the highest interest rate charged on a credit card usually triggered when you break a key condition of your credit card.

Understanding Credit Card and Loan Interest Rates
You're charged an interest rate when you borrow money and paid an interest rate when you loan it. Learn more about credit card and loan interest rates.

What is APR or Annual Percentage Rate
The APR is one of the most important factors of borrow money. The APR, or annual percentage rate, is annual cost of borrowing money.

What is a Billing Cycle?
Credit card operate on a billing cycle, the period of time between billing statements. Billing cycles don't necessarily line up with calendar months.

What Is a Credit Card Cash Advance?
A cash advance is one of the types of transactions you can make on your credit. You can get cash in your hand, but the cost may not be worth it.

Things You Should Know About Credit Bureaus
A credit bureau is an agency that collects, maintains, and sells individual credit information in the form of a credit report.

What is the Credit Limit on a Credit Card?
The credit limit on your credit card is the maximum balance your credit card issuer allows. There may be a penalty for going over your credit limit.

Credit Card Finance Charge Definition
Most credit cards come with a monthly finance charge, but the amount of the charge varies based on your interest rate and credit card balance.

Credit Card Grace Period Explained
The grace period on a credit card is the period of time that credit card balance can be paid in full without an interest penalty. Learn when the grace period applies.

What is an Eviction and How It Affects Your Credit
An eviction is the legal process in which a landlord removes the tenant from a rental property. An eviction can hurt your credit score and your ability to rent in the future.

What You Need to know About Debt Consolidation
Debt consolidation is a debt solution that combines all your debt and leaves you with one monthly debt payment. Is debt consolidation right for you?

Why Your Credit Card's Available Credit is Important
Your available credit is the amount of credit you are able to use for purchases based on your credit limit and your current credit card balance.

What is a Credit Card Foreign Transaction Fee?
A foreign transaction fee is a fee card issuers charge when you use a card internationally, or when you make a purchase that uses a foreign bank.

What Is a Credit Card Annual Fee And How To Avoid It
Some credit cards charge an annual fee each year you have your card. In some cases, the annual fee is worth it, but it depends on the card's benefits.

Balance Transfer Fee Definition
A one-time balance transfer fee is added when you transfer a balance to your credit card. The credit card disclosure lists the amount of the fee.

What is a Credit Card Cash Advance Fee?
Taking cash against your credit limit isn't free. You pay a fee each time you use your credit card to withdraw cash from the ATM.

Credit Card Billing Statement Definition
Each month, your credit card issuer will send a billing statement. Know what to expect from your monthly statement.

How to Do a Balance Transfer - What to Do First
How to do a credit card balance transfer. There are some things you need to know, like whether the balance transfer will save you money.

How to Choose the Right Secured Credit Card
Secured credit cards are a good option for rebuilding bad credit. Get the important facts upfront so you can choose the right secured credit card.

Do I Have to Pay Interest on a Closed Credit Card?
Before you close a credit card, you might want the answer to a very important question. Can you be charged interest on a closed credit card account?

What Creditors Mean By "Pay An Account Current"
Bringing an account current means you've paid off your past due balance and only your current minimum payment is due.

Can I Still Use an Expired Credit Card?
Once your credit card expiration date passes, you'll need to check with your credit card issuer to see if you've been mailed a new credit card.

What Is an Adverse Action Notice?
Federal law requires you receive an adverse action notice whenever you have an application denied because of information in your credit report.

Four Consequences of a Late Credit Card Payment
A late credit card payment can have more consequences than you might realize. The more late you are, the worse the consequences will be.

How Many Credit Cards Is Too Many?
Depending on who you ask, the best number of credit cards ranges from none to a wallet full of them. Here are the signs that you may have too many.

Your Liability for Stolen Credit Card Charges
Learn how to reduce your liability for charges made on your stolen credit card. Responsibility, detection and reporting of stolen cards and false charges.

Will a Balance Transfer Save You Money?
You can use a balance transfer to pay off credit card balances at a lower interest rate. Watch out. With balance transfer fees, you might not save as much interest as you think.

How to Use a Credit Card Cash Advance
Credit card cash advances are expensive and generally a bad idea. If you must take out a cash advance on your credit card, here are tips to do it.

Sample Letter for Closing Your Credit Card Account
You can close your credit card over the phone, but a letter gives you proof. Here's a sample letter you can use to close your credit card account.

How to Close a Credit Card the Right Way
Before you take the scissors to an unwanted credit card, follow these simple steps to be sure your card is closed correctly.

Should You Close a Paid Credit Card Or Leave It Open?
Should you close a paid credit card that you'll never use again? Closing a paid credit card won't help your credit score, but leaving it open could.

5 Ways to Avoid Credit Card Over Limit Charges
Your credit card issuer may charge a fee for going over your credit limit, but there are ways to avoid this credit limit fee.

Sharing a Card Account - Tips
Sharing a joint credit card account isn't always easy. You have to discuss everything you automatically decide when you have your own credit account.

The Cost of Making Only the Minimum Credit Card Payment
Your credit card payment affects the time it takes to pay off your credit card. Making only the minimum credit card payment takes the longest.

How to Respond to a Credit Card Interest Rate Increase
A credit card interest rate increase means you'll pay more interest on your balance. Here's how to respond to a credit card interest rate increase.

When Can Banks Increase Credit Card Interest Rates
Credit card issuers can no longer raise your rate at anytime for any reason. Make sure you understand when your credit card rate can increase.

Four Frustrating Reasons Your Debt Isn't Going Down
Check out four reasons your debt isn't going down even though you're making monthly payments. Find out how to make more progress paying off your debt.

What Order Should I Pay Off My Credit Cards
When you have several credit cards, deciding which to pay off first is tough. Here are some ways to decide the best order to pay your credit cards.

Why It's Best to Pay Off High Interest Rate Cards First
Paying high interest rate credit cards first saves money more money, but some people still opt to pay off smaller balances first.

Steps to Creating a Monthly Household Budget
Making a budget is the first step to paying off your debt. Having a budget is one of the most important steps to managing your money.

Debt Statutes of Limitations for All 50 States
Each state has its own statute of limitations on debt - the amount of time you can be sued for a debt - that can help you decide whether to make a payment or arrangement with a debt collector.

Letter to Send Debt Collectors for Time-Barred Debts
If a debt collector contacts you after the statute of limitations has passed on a debt, you can use a letter to stop them from calling.

Statute of Limitations Expired Debt on Credit Report
An account may still appear on your credit report even though the statute of limitations has expired for that debt.

Lawsuit Chances After Statute of Limitations Expiration
The statute of limitations limits the amount of time you can be sued for a debt, but it's up to you to prove the time period has actually expired.

What Can Restart the Debt Statute of Limitations?
Be careful about taking certain actions on a dormant account. You could restart the statute of limitations and give creditors more time to sue you.

When Does the Statute of Limitations Clock Start
The crucial factor in figuring out whether the statute of limitations has expired is to determine when the clock started ticking.

Sample Credit Card Billing Error Dispute Letter
A credit card dispute letter can help you clear up errors on your billing statement. Here's a sample letter you can use to dispute billing errors.

Why You Want to Be a Credit Card Deadbeat
Credit card companies make their money from interest and fees paid by cardholders. You get charged interest when you let your balance revolve.

How to Pay Off High Interest Rate Debt
High interest rates make it harder to pay off your debt. Here are some strategies for paying off debt that has a high interest rate.

Two Types of Personal Bankruptcy
Chapter 7 allows you to discharge debt after some assets have been liquidated. Chapter 13 allows you to discharge debt after completing a payment plan.

Why a Budget is a Good Debt Management Tool
Not having a budget can ruin your plans to get out of debt. If you're not already in debt, the lack of a budget can get you there.

Figuring Out How Much Debt is Too Much
How much debt is too much? Taking the time to determine whether or not you have too much debt can provide confirmation that you are doing things right.

How to Lower a High Debt-to-Income Ratio
A high debt-to-income ratio has a negative impact on your finances and possibly your credit score. Get tips for lowering a high debt-to-income ratio.

Two Basic Ways to Pay Off Your Credit Cards
Paying back your credit card debt isn't as easy as getting into it. But, it can be done. With a plan, you can achieve a life free of credit card debt.

How to Become Debt Free
Setting a good debt goal is the first step to getting out of debt. Follow these steps to setting a goal you can reach. How to become debt free.

Can I Make Payment Arrangements on a Debt Collection
Whether you can make payment arrangements on a debt depends on the debt, the debt collector, and the amount you're able to pay.

Is There a Time Limit for Collecting Debt?
If you've ever been contacted about a debt that's ages old, you probably wondered whether the creditor can legally collect this debt from you.

Save Money or Pay Off Debt: Solve This Money Dilemma
Deciding whether you should pay off debt or save money can be a difficult decision. Weigh both options - saving money or paying off debt.

How to Respond to a Settlement Offer From a Creditor or Collector
If a creditor or debt collector sends you a settlement offer for an outstanding debt, don't pay until you're sure it's in your best interest to settle.

Will Making the Minimum Payment Hurt Your Credit Score?
Making just the minimum payment on your credit cards could hurt your credit score in a way you may not expect. Find out how the minimum payment affects your credit score. Review (Is It a Scam?)
You've heard the late-night jingles about going to Is it a scam or do you really receive a free credit report? Credit Report Card Review free Credit Report Card that grades consumers on their credit report, helping consumers understand where their credit report stands.

How to Manage Your Experian Credit Report
Managing your Experian credit report is important to ensure that creditors and lenders who check that report get the most accurate information.

How to Cancel Your Subscription
If you want to avoid credit card charges from, you have to cancel your account within seven days before the trial period ends.

Three Ways to Order Your Free Annual Credit Report
Learn the right way to order your annual credit report and avoid free credit report scams that charge your credit card each month.

How to Calculate Your Credit Utilization Ratio
Your credit utilization, the percentage of your credit being used, is pretty simple to calculate. Here's how to calculate your credit utilization.

What is a Good Credit Score?
A good credit score has a big impact on whether you get approved for credit cards and loans and how much you pay for the money you borrow.

How Opening a New Credit Card Affects Your Credit Score
Opening a new credit card account may have a negative effect on your credit score. However, the point loss may be temporary.

Removing Old Debts After Credit Reporting Time Limit
Follow these steps to remove old, outdated information from your credit report after the 7- or 10-year credit reporting time limit has expired.

A Balance Transfer's Affect On Your Credit Score
A balance transfer can help you pay off a credit card balance by getting you a lower rate. However, a balance transfer could affect your credit score.

How to Dispute Credit Report Errors
Credit report errors can hurt your credit score. Find out how to dispute credit report errors with the credit bureaus.

Four Ways To Get a Free Credit Report
Step by step instructions for get a free credit report granted by the Fair and Accurate Credit Transaction Act.

Sample Letter to Dispute Credit Report Errors
A sample credit report dispute letter you can use to dispute information from your credit report with the credit bureaus.

How Closing Credit Cards Affects Your Credit Score
Before you call your credit card company, learn what will happen to your credit score if you close the card.

Credit Scores: FICO Score vs. FAKO Scores
There are a lot of different credit scores out there - the FICO score and several others. Learn which why you have different scores and find out which matters the most.

Why You Have Different Credit Scores
Your credit scores at the different bureaus can vary dramatically. Don't be alarmed; it's normal to have different credit scores even when you check them on the same day.

How to Avoid Free Credit Report Scams
There are many free credit report scams and only one way to get your free annual credit report without using a credit card.

FICO Reveals How Credit Mistakes Affect Your FICO Score
Want to know how much your FICO score will be hurt by a late payment or high balance? Learn how the biggest credit mistakes affect your FICO score.

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8 Credit Card Perks You Should Take Advantage Of
You might be missing out on hundreds of dollars in credit card benefits. Check out these hidden credit card perks you've been overlooking.

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5 Factors That Affect Your Credit Score
It's important to know the five factors that affect your credit score, so you can make decisions that will help, not hurt, your score.

Payment History Affect on Credit Score
It's important to know the five factors that affect your credit score, so you can make decisions that will help, not hurt, your score.

Level of Debt Affect on Credit Score
It's important to know the five factors that affect your credit score, so you can make decisions that will help, not hurt, your score.

Age of Credit History Affect on Credit Score
It's important to know the five factors that affect your credit score, so you can make decisions that will help, not hurt, your score.

Types of Credit Affect on Credit Score
It's important to know the five factors that affect your credit score, so you can make decisions that will help, not hurt, your score.

Credit Inquiries Affect on Credit Score
It's important to know the five factors that affect your credit score, so you can make decisions that will help, not hurt, your score.

Factors That Don't Affect Credit
It's important to know the five factors that affect your credit score, so you can make decisions that will help, not hurt, your score.

7 Times You Shouldn't Use Your Credit Card
Just because you have it, doesn't mean it's ok to use it. Here are seven times you shouldn't use your credit card.

What You Should Know About Your Credit Cards
Ignorance isn't bliss when it comes to credit cards. There are certain things you should know about every credit card you carry.

Things That Boost Your Credit Score
If you don't like your current credit standing, check out this list of things that can boost your credit score.

10 Things to Do With Your New Credit Card
Before you use or store your new credit card, you need to take a few steps - like activate it, for example. Learn 10 important things to do with a new credit card.

7 Steps to Getting Out of Debt
If you want to pay off your debt but you don't know where to get started, follow these seven steps to get out of debt.

How to Remove a Charge-Off From Your Credit Report
Taking care of charged-off accounts helps improve your credit score, but paying a charge-off usually isn't enough to remove it from your credit report.

How a Secured Credit Helps Rebuild Bad Credit
A secured credit card can help you re-establish your credit history if you have bad credit and you find it hard to get approved for a credit card.

How Your Card Balance Affects Your Credit Score
Your credit card balance affects your credit score. Learn the ideal credit card balance for a good score as well as how to get there.

When Should You Check Your Credit Report
Checking your credit report once a year is great, but there are some other situations that might require checking your credit report more often.

Credit Inquiries and Your Credit Score
Not all credit report inquiries have an effect on your credit score. Learn the different inquiries and what they mean for your credit.

Credit (FICO) Score Calculation Components
Understanding your credit score calculation can help you use credit wisely. Find out what goes into calculating your credit score.

Dos And Don'ts Of Using Credit Cards Wisely
It's important to know the rules of the credit card game – preferably before you start playing - if you want to stay out of trouble.

Pros and Cons of Secured Credit Cards
A secured credit card lets a deposit to secured the credit limit on the card and is a good alternative if you can't get a traditional credit card.

Legal but Questionable Ways to Buy Better Credit
You can buy positive credit history from others, but it may not be effective. Many credit scoring algorithms now discount authorized users accounts.

9 Benefits of Having a Good Credit Score
Good credit is one of the best things that can happen to your finances. Check out these nine benefits of having a good credit score.

Steps to Manage Your Debt No Matter How Much You Owe
Whether you have a little bit of debt or a lot of it, knowing how to manage your debt is crucial to your financial health.

Credit Card Issuer Address for Credit Card Payments
It's important to send your credit card payments to the correct address. Make sure you use the address printed on the payment coupon that comes with your credit card statement.

Credit Card Transactions on Billing Statement
Transactions from your most recent billing cycle will be listed on your credit card statement. Review the transactions to be sure that they're accurate.

Credit Card Billing Statement Interest Calculation Section
The current month's interest charges will be listed in a separate section of your billing statement. Interest for purchases, balance transfers, and cash advances is calculated separately.

Year to Date Credit Card Interest and Fees Paid
If you're ever curious to know how much you've paid in credit card interest or fees this year, check your most recent billing statement for the answer.

Credit Card Statement Reward Summary
Refer to your credit card statement for a glimpse at your current rewards standing.

Late Payment Warning on Credit Card Billing Statement
Credit card issuers are now required to include a late payment warning on your credit card statement.

Credit Card Statement Credit Counseling Notice
Credit card issuers are required to include a credit counseling notice on your billing statement. This notice lets you know what steps to take if you have trouble making your credit card payment.

Credit Card Account Changes on Billing Statement
Major changes to your credit card account will appear in a special section on your credit card billing statement.

Credit Card Payment Coupon
Your billing statement includes a payment coupon to send along with your credit card payment.

Address Change Notification With Credit Card Billing Statement
Be sure to check the box on your payment coupon to indicate that your mailing address has changed.

Minimum Payment Warning on Credit Card Statement
Your credit card statement must include the minimum payment warning which tells you how much you'll have to pay if you make just the minimum payment on your account.

Credit Card Payment Information on Billing Statement
The payment information section on your credit card billing statement gives you the details about what payment you must make and by when.

Overcome Discouragement in Debt Payoff - 10 Tips
It's natural to get discouraged when you're trying to meet a large goal, especially when paying off debt. Tips to overcome discouragement..

Tactics to Deal With Unpaid Medical Debt
You have several options to deal with medical debt that you can't afford to pay in full. Explore your options to avoid filing bankruptcy.

Account Summary on Credit Card Statement
The account summary is usually the first section on a credit card statement. It gives an overview of your credit card balance and payment information.

Monthly Credit Card Statement Walkthrough
Credit card billing statements differ slightly from each other, but they're all required to contain key pieces of information about your balance, transactions, and required payment.

7 Reasons It's So Hard to Get Out Of Debt
There are several reasons that paying off debt might be the hardest thing you ever do.Here are seven reasons it's so hard.

Ten Ways to Reduce or Eliminate Debt
I;s so easy (and often fun) to get into debt, but painfully difficult to get back out. Here are some strategies to reduce or eliminate debt.

How to Qualify for a Credit Card
Before you apply for a credit card, it helps to know how to qualify for a credit card. That way, you can estimate your chances of getting approved.

Universal American Express Card Review
The Universal American Express Card by GE Money Bank lets you earn points and other benefits on trips to Universal Studios theme parks.

Six Best Vacation Credit Cards of 2011
Walt Disney, Universal, Sandals and Beaches resorts, Royal Caribbean, Norwegian Cruise Line and Carnival Cruises offer credit cards with no annual fees that let you earn points, discounts and perks on vacations.

Five Best Gas Credit Cards for Saving on Gas Purchases
Learn about the best gas credit cards and who issues them. The reward cards pay generous, automatic rebates on gas purchases. Save at the pump.

10 More Ways to Improve Your Credit Score
Your credit score is based on five key factors and there are lots of ways to improve your credit score. Learn 10 ways you can improve your score.

Learn Why Your Credit Card Might Be Cancelled
If you're wondering why a credit card issuer would cancel a credit card, here are a few reasons.

How to Deal With Past Due Accounts
Your account is considered past due once you miss your payment. If you have a past due account, there are a few options for dealing with it.

The Worst Credit Cards for People With Bad Credit
Credit cards for people with bad credit often charge high interest rates and fees. Find out six credit cards to avoid if you have bad credit.

Reasons You Shouldn't Max Out Your Credit Card
Maxing out your credit card happens when your balance is at or above your credit limit. Here's why a maxed-out credit card is such a bad thing.

10 Signs You Need to Repair Your Credit
If you have bad credit, you might question whether you need bad credit repair. Here's a list of signs you need credit repair.

7 Drawbacks of Retail Store Credit Cards
Despite the signup discount, store credit cards aren't worth it. These seven drawbacks of store credit cards will make you think twice about applying.

8 Businesses Who Check Your Credit Report
Many businesses check your credit report, but they can only do so with a permissible purpose that's outlined in the Fair Credit Reporting Act.

5 Ways Bad Credit Can Be Good
Living with bad credit is uncomfortable to say the least, but there could be a silver lining. There are some good things about having bad credit.

Simple Ways to Avoid Credit Card Fraud
Your credit card information is always at risk for theft. You can avoid credit card fraud by taking steps to keep your credit card details safe.

Main Reasons to Pay Off Debt
Many plans fail because there is no motivation behind them. If you're stumped for debt payoff motivation, here are nine reasons to pay off debt.

9 Reasons Debt Is Bad For You
Debt can have serious negative side-effects that influences your entire life. Here are 9 reasons that debt is bad for you.

How to Successfully Live Within Your Means
It can be hard at first, but with some sacrifice and self-discipline, you can learn to live within your means.

What Does Your Credit Report Show?
Knowing what types of things appear on your credit report can make it much easier to read and understand.

10 Worst Credit Card Mistakes You Should Avoid
If you have a credit card in your wallet, here are 10 credit card mistakes you should avoid.

Six Options for Repaying Your Debt
If you want to pay off your debt, you have to choose a debt repayment option. Here are six debt repayment options to consider. Debt options.

Bank of America Accelerated Cash Rewards
The Bank of America Accelerated Cash Rewards American Express Card pays a cash rebate on spending and bonus statement credits.

The Best Secured Credit Cards
The best secured credit cards have low fees and interest rates. The ones that made our best list come from Navy Federal Credit Union and Wells Fargo.

Top 3 Worst Secured Credit Cards
Secured credit cards are the only sources of credit available to some borrowers. Learn which three card options to avoid with this list.

First Premier Bank Secured MasterCard Credit Card Review
The First Premier Bank Secured MasterCard has a high annual fee, a high APR, and a strict credit-limit increase policy.

7 Signs of Identity Theft That Everyone Should Know
Knowing the signs of identity theft help you act quickly to reclaim your identity. Here are seven signs you may have been a victim of identity theft.

12 Reasons Your Credit Card Application Was Denied
A credit card application can be denied because of credit history or other factors. Here are some reasons your credit card application can be denied.

What to Do If Your Credit Card Application Is Denied
If your credit card application is denied, here are some things you can do to figure out why and improve your chances at getting approved next time.

5 Best Credit Card Payoff Calculators
A credit card debt payoff calculator can help you figure out a strategy for paying your debts. Here's a list of the five best credit card calculators.

The Best Balance Transfer Credit Cards
The best balance transfer cards come from Citigroup, Simmons First National Bank, Navy Federal Credit Union, Capital One and USAA. These best balance transfer credit cards are the lowest-priced of all balance transfer credit cards.

Six Best Credit Cards for Students
The best student credit cards come from Wells Fargo, Capital One, Discover, U.S. Bank, Bank of America and Citigroup. These best student credit cards carry no annual fees, low APRs, and some have good rewards programs.

How to Qualify for Chapter 7 Bankruptcy
Not everyone can file for relief under Chapter 7 bankruptcy. Certain individuals must file a different type of bankruptcy and some cannot file at all. Find out whether you qualify for Chapter 7 bankruptcy.

Sample Credit Letters for Creditors and Debt Collectors
Here is a variety of sample credit letters you can tailor and send to credit card companies, debt collectors, and other credit bureaus.

How To Calculate Your Debt To Income Ratio
Your debt to income ratio indicates your level of debt. Learn how to calculate and analyze your debt to income ratio.

Total Your Monthly Debt
Your debt to income ratio indicates your level of debt. Learn how to calculate and analyze your debt to income ratio.

Total Your Monthly Income
Your debt to income ratio indicates your level of debt. Learn how to calculate and analyze your debt to income ratio.

Calculate Your Debt To Income Ratio
Your debt to income ratio indicates your level of debt. Learn how to calculate and analyze your debt to income ratio.

How to Calculate Your Debt to Income Ratio
Your debt to income ratio indicates your level of debt. Learn how to calculate and analyze your debt to income ratio. Page 5.

Citi Dividend Platinum Select MasterCard - Review
The Citi Dividend Platinum Select MasterCard offers cashback rewards on purchases and balance transfers, but has a limit on the rewards you can earn.

TrueEarnings Card from Costco and American Express Review
The TrueEarnings Card from Costco and American Express offers 3% on gas, 2% on travel, and 1% on everything else. But will it be around after next year?

Macy’s Preferred American Express Card Review
The Macy’s Preferred American Express Card pays rewards on spending at Macy's stores as well as on spending outside Macy's stores.

Sunoco Rewards Plus MasterCard Review
The Sunoco Rewards Plus MasterCard allows you to earn Thank You rewards points on your Sunoco gasoline purchases. Learn more about this fuel rewards card.

BankAmericard Cash Rewards Visa Review
The Bank of America Cash Rewards Visa Card pays up to 3% cash back on purchases. Find out how you can earn a $100 bonus.

Bank of America Power Rewards Visa Card Review
The Bank of America Power Rewards Visa Card rewards you in points good towards cash, merchandise, gift cards and travel.

Target REDcard - Credit Card Review
The Target REDcard gives you an automatic five percent discount on Target purchases you make with the card.

Credit Card Interest Rates Explained
The interest rate is one of the most important components of a credit card. Find out everything you need to know about credit card interest rates.

Walmart Prepaid MoneyCard Review
The Walmart MoneyCard is a prepaid card with low fees that is accepted wherever Visa cards are accepted.

Travel Rewards Credit Card Reviews
The Capital One Venture card, the Chase Sapphire Preferred card, and the American Express Gold Premier Rewards card offer generous travel rewards to people with excellent credit and high incomes. See how the cards compare and decide which is the best one.

How Credit Card Promotional Rates Work
Credit card promotional rates are designed to get you to sign up for a credit card and often to get you to move your balance to that credit card.

Sample Goodwill Letter to Remove Credit Report Errors
Customize this sample goodwill letter to ask creditors to remove negative information to from your credit report.

Using Goodwill Letters in Credit Repair
You can use a goodwill letter in credit repair to request a creditor make a courtesy update to your credit report for an account you've already paid.

What It Means to Be Pre-Approved for a Credit Card
It's easy to assume a credit card pre-approval offer means you've been approved for the credit card, but you shouldn't get too excited until you know more.

What Is a Credit Card Issuer?
Many people mistakenly think Visa or MasterCard is their credit card issuers, but that's not the case. Who is your credit card issuer?

How Much Does a Credit Card Cost?
Credit card cost depends on the credit card and how you use it. Some credit cards can be used completely free and others are expensive.

How Can I Find Out Which Collection Agency I Owe
There are a few ways you can find out which collection agency you owe. If you can't find them, they'll eventually find you.

What You Want to Know About a Bank Levy
A bank levy happens as the result of a court order. In a bank levy, the creditor is allowed to take money from your bank account to satisfy a debt.

Meaning: "Account Closed By Creditor" on Credit Report

Why Was My Charge-Off Sent to the IRS
A creditor may send your charge-off to the IRS if the debt is cancelled. You may have to pay taxes on a charge-off that's send to the IRS.

What Are Nonexempt Assets in Bankruptcy?
In bankruptcy, nonexempt assets can be seized by the court and used to pay off your debts. Nonexempt assets are defined by federal and state law.

What is Bankruptcy Discharge and When Does It Happen?
A bankruptcy discharge is a court order issued at the end of a Chapter 7 or Chapter 13 case that removes your personal liability for debts.

How to Get a Free Credit Report When Denied Credit
You're entitled to a free credit report when denied credit. You must follow a certain process to get your free credit report when denied credit.

Things You Should Know About Your Payment Due Date
Your credit card payment due is the date by which your minimum payment must be made to avoid penalties from your credit card issuer.

How to Read (and Interpret) Your Credit Score
Many credit scores range from 300 to 850, but what does your credit score mean? Learn how to read your credit score.

12 Reasons Your Budget Isn't Working
If you're budget isn't working, don't give up. Odds are it just needs some tweaking. Here are some common reasons budgets fail - twelve in all.

5 Habits to Change Before You Get out of Debt
Getting out of debt is not easy. If it were we'd all have our debts paid off. Fortunately,

10 Credit Repair Mistakes When Fixing Bad Credit
If you’re thinking about repairing your credit, or even if you’re going through the process now, there are some things you shouldn’t do. Here are 10 credit repair mistakes you want to avoid.

Should You File Bankruptcy?
Credit implications aside, bankruptcy could have an impact on your emotional life. As you consider bankruptcy, here are some things to think about.

Required Credit Card Disclosures
Credit cards must include a disclosure detailing the costs of the card. Credit card disclosures help consumers compare and choose credit cards.

How to Repair Your Credit After a Foreclosure
A foreclosure will remain on your credit report for seven years. It will have the most significant impact on your credit in the first few years.

Aventium Gold MasterCard Review
The Aventium Gold MasterCard from First Premier Bank is one of the worst credit cards on the market with a 60% APR, $75 annual fee, and just $300 credit limit. Applicants beware of the Centennial Gold MasterCard and First Premier Bank.

Five Best Prepaid Cards With Low Fees
The best prepaid cards have minimal fees along with free direct deposit and online bill payment capability. Check out a list of the best prepaid cards.

The Side Effects of Bad Credit
Having bad credit can make life extremely difficult. Here are some of the most common side-effects of bad credit.

5 Wrong Ways to Pay Off Your Debt
Some debt repayment tactics can actually make your debt worse. Learn some of the worst ways to pay off your debt.

Types of Credit Card APRs
Credit cards are made complex by the fact that they often have several different APRs which are listed on your credit card billing statement and on the credit credit card disclosure before you sign up for the credit card.

7 Steps to Keep Your Credit Card Free
Credit cards are designed to be expensive so that credit card issuers can make money, but you can use a credit card free if you take the right steps.

Alternatives to Payday Loans
Instead of taking out one of these high-cost and risk payday loans, consider one of these alternatives.

10 Ways to Prevent Identity Theft
Dealing with identity theft can be time-consuming. Here's are ten things you can do to prevent identity theft from happening to you.

Frequently Asked Questions About Debt Validation
Debt validation is how you get debt collectors to prove you owe them the debt. Get answers to common questions about how debt validation works.

FDCPA Violations: What Debt Collectors Can't Do
The FDCPA, dictates how debt collectors can act when collecting a debt from you. Find out what debt collectors can and cannot do.

FDCPA Violations: What Debt Collectors Can't Do
The FDCPA, dictates how debt collectors can act when collecting a debt from you. Find out what debt collectors can and cannot do.

Reasons to Pay More Than the Credit Card Minimum
The minimum payment is a convenience credit card issuers give, but it can come at a high cost. Paying more than the minimum is always better.

How Finance Charges Are Calculated
Finance charges are applied to credit card balances that aren't paid before the grace period. Find out how your finance charge might be calculated.

How to Avoid Bankruptcy and Spare Your Credit
If you're thinking about filing bankruptcy, first consider these options that will allow you to avoid bankruptcy.

Common Credit Card Fees and How You Can Avoid Them
All credit cards have some type of fee. Some you can avoid, some you can't. Here's a list of the most common credit card fees.

Tips For Starting Out With Credit
Starting out with your first credit card can be confusing. Here are some tips that will help every credit card beginner.

What Hurts Your Credit Score? Here Are 15 Things
Your credit score moves up or down based on the information on your credit report. Here are some actions that can hurt your credit score.

What Hurts Your Credit Score? Here Are 15 Things
Your credit score moves up or down based on the information on your credit report. Here are some actions that can hurt your credit score.

10 Signs of Credit Card Debt Trouble
Recognizing the signs of credit card debt gives you the ability to maneuver​ away from debt before you get in too deeply.

Credit/Debt 2016 New Year's Resolutions
Most New Year's resolutions involve improving health or getting rid of a bad habit. Don't forget about improving your financial health and getting rid of your bad credit habits in the new year.

Five Spending Habits That Lead To Debt
Recognize and change the spending habits that can cause you to be overloaded with debt.

Seven Good Things About Credit
Credit and credit cards might seem like a nuisance, but they've become much needed in our society. Here are some good things about credit.

Seven Tricks To Stop Using Your Credit Cards
If you have bad credit or have too much debt, it's time to put the credit cards away. Here are some tips to help you kick your credit card habit.

How To Get Your First Credit Card
Like many first steps, getting your first credit card is not always easy. Here are some tips on how and where to get your very first credit card.

Dos and Don'ts of Using Retail Store and Gas Credit Cards
Department store credit cards and gas credit cards are good for establishing credit but don't have the most favorable credit card terms.

10 Things You Can Do To Improve Your Credit Score
Bad credit isn't permanent. There are things you can do right now to improve your credit score. Get tips to raise your credit score from bad to good.

Essential Things To Know About Credit
Here are the essential things you must know about credit if you want to use it the right way.

How To Close A Credit Card Without The Account Number
It's not a common problem to have, but there are a few ways you can access the credit card number to close the account.

- By Category
An index of categories in the

Tax Form 1099-C: Liability for Cancelled Debts
You may have to report cancelled debt as taxable income, unless there is an exception. Your lender will send Form 1099-C listing the cancelled debt.

Debt Validation Requirements for Collectors
Debt validation is your right question the validity of a debt collection. If the collector can't validate the debt, they can't collect from you.

Credit Cards You Should Never Close
Closing the wrong credit card could hurt your credit score. It's better to leave a credit card open if closing it will eventually backfire.

5 Consumer Credit Laws You Should Be Familiar With
Knowing your rights is an important step to protecting your credit. Every consumer should be familiar with these basic consumer credit laws.

Questions to Answer Before You Pay a Debt Collection
Debt collectors don't always follow the rules. Here's some information that will help you deal, or not deal, with collection agencies.

How to Remove an Authorized User From a Credit Card
If you decide you no longer want to keep an authorized user on your credit card, you can have them removed to protect your credit and theirs.

Getting a Credit Card After Bankruptcy
Filing bankruptcy doesn't mean you won't ever get credit again. Follow these steps to get a credit card after your bankruptcy is completed.

How to Use Your Credit Card for Everything
Using your credit for everything makes it easy to manage your spending and maximizes your rewards. Here's how to make it work.

The Pros and Cons of a Credit Card Balance Transfer
Looking at the pros and cons of a credit card balance transfer can help you decide whether to transfer your credit card balances.

8 Things College Graduates Should Know About Credit
As college graduates prepare for independent living, here are some important credit lessons to know to start building credit and avoid major credit mistakes.

Removing an Authorized User From Your Credit Account
You can remove an authorized user from your account if it's hurting your credit or you simply don't want it on your report.

90 Days Same as Cash - Not the Good Deal It Seems to Be
While 90 days same as cash financing sees like a great deal, if you're not careful you can be blindsided with several months of interest.

Introduction to Credit Card Transactions
Learn about everything that happens behind the scenes to make it possible for you to make purchases with your credit card.

How Credit Card Transactions Work - Swipe Your Credit Card for Approval
A lot goes on behind the scenes of credit card transactions. Take a look at how credit card transactions work.

How Credit Card Transactions Work - Authorization
The merchant bank contacts the appropriate credit card network (Visa, MasterCard) to get authorization for the credit card purchase.

How Credit Card Transactions Work - Credit Card Approval
A lot goes on behind the scenes of credit card transactions. Take a look at how credit card transactions work.

How Credit Card Transactions Work - Batch Processing
A lot goes on behind the scenes of credit card transactions. Take a look at how credit card transactions work.

How Credit Card Transactions Work - Credit Card Issuer Sends Payment
A lot goes on behind the scenes of credit card transactions. Take a look at how credit card transactions work.

How Credit Card Transaction Networks Work - Merchant Gets Paid
A lot goes on behind the scenes of credit card transactions. Take a look at how credit card transactions work.

How Credit Card Transactions Work - Credit Card Issuer Bills You
A lot goes on behind the scenes of credit card transactions. Take a look at how credit card transactions work.

verywell. Credit/Debt Management.

Reporting Your Ex to Keep From Ruining Your Credit
Keep your ex from running up big balances and ruining your hard-earned credit score. Learn how to report your ex to keep from ruining your credit.

Will Debt Consolidation End Your Debt Trouble?
Debt consolidation is one way to deal with your debt, but there are pros and cons. Decide whether debt consolidation is the best option for you.

Avoiding a Charge-Off on Seriously Delinquent Accounts
Avoiding a charge-off on seriously delinquent accounts is completely within your control. Avoid a charge-off even if you're already behind.

What to Do When You Have Too Many Bills
Having too many bills is stressful, more so when you don't have enough money to pay them all. Fixing the situation requires some tough choices.

When a Debt Collector Ignores a Cease and Desist Letter
A cease and desist letter is one of the best ways to stop debt collector calls. Here's what to do when the collector ignores yours.

How to Freeze Your Credit Report at Each Credit Bureau
You can prevent identity theft by freezing your credit report. A security freeze locks your credit report and thieves can't get credit in your name.

Can Debt Collectors Contact Your Employer
The Fair Debt Collection Practices Act is specific about whether debt collectors can contact your employers and what they're allowed to say.

Three Things to Do After You Pay a Debt Collection
Once you pay a debt collection take a few extra steps to make sure the collection account is completely satisfied.

Should You Pay an Old Debt Collection?
Whether to pay an old debt is a common dilemma. If it's still on your credit report, there are more reasons to pay than​ there are to not pay it.

Tactics For Paying Off Debt Collections
When you're paying a debt collection, you want to do it in a way that helps your credit. Here are five tactics for paying your debt collections.

What Happens If You Don't Pay a Debt Collection
Collectors hassling you for payment? There are consequences to ignoring their attempts to collect. Learn what happens if you don't pay a collection.

CARD Act of 2009 Explained
The Credit Card Accountability, Responsibility, and Disclosure (CARD) Act was signed into law in 2009. Learn what the law requires of credit card issuers.

How To Read Your Credit Report
It can be a challenge to understand everything contained in your credit report. Learn how to decipher each section so you can manage your credit.

8 Things to Know About EMV Chip Credit Cards
The credit card industry is moving to EMV chip credit cards to reduce credit card fraud. Here's what you need to know about the new EMV credit cards.

What To When the Credit Bureau Won't Fix Your Credit Report Error
Credit report disputes are supposed to help consumers fix errors. But, when the credit bureau doesn't clear up errors, additional steps are necessary.

How to Rebuild Your Credit After Long-Term Unemployment
After being unemployed for several months, even years, your credit score may have suffered. Here are some ways to get your credit back on track.

Credit Report and Credit Score Overview
Your credit history is compiled in a single credit report and used to calculate your credit score. Learn your credit report and score affect you as a consumer.

8 Lessons to Teach Your Child About Credit Cards
Set your child up for credit success by giving them critical lessons about credit cards well before they get a credit card of their own.

These Are the Rights Every Credit Card User Has
Several laws exist that protect the rights of consumers with credit cards. Become familiar with your credit card rights.

Why Credit Card Companies Love College Students
Before you head back to campus, know the dangers of signing up for a college credit card and find out the right way to get your first credit card.

What to Do About a Negative Credit History
Several factors contribute to a negative credit history, like late payments and high balances for example. Learn what you can do about your negative credit.

How to Prepare for a Credit Card
There are certain things you need to know before you start using credit cards. Here are some tips to prepare for a credit card.

Credit Card Tips for College Students
College students with credit card debt could have a hard time paying it back. Here are some tips for using credit cards if you're a student.

Where to Order Your Credit Score
Your credit score is a three-digit number that's used by banks to approve your application.Here are five reputable ways to find out what your score is.

What Is a Credit Card, and How Do the Charges Work?
The technology that makes credit cards work is impressive, but cards aren’t magic – you still have to pay for your purchases, you just pay later.

Three Basic Steps to Building Credit
You'll need good credit to get a job, buy a house or car, & even to get a good insurance rate. Here's how to get started building your credit history.

Adding Positive Credit History to Your Credit Report
A positive credit history isn't as hard to build as you'd think. Learn what it takes to add positive credit history to your credit report.

Why Payday Loans and Cash Advance Are So Bad
For many people, paying off that $100 payday loan can end up taking months, even years, and costing thousands of dollars to pay off.

Introduction to Credit
A basic understanding is needed to make the best credit decisions. Find out the definition of credit and learn how lenders decide to give you credit.

How to Help Improve Your Spouse's Credit
There are so many benefits of a good credit score, why wouldn’t you want to help your spouse improve theirs? Here are some things you can do.

What Replaced the Orchard Bank Platinum MasterCard?
The Orchard Bank credit cards were once among the best options for people with bad credit. There are a few great alternatives to Orchard Bank cards.

The Consequences of Skipped Monthly Payments
Under a tight budget, many people choose to skip their credit card payments over other monthly bills like a cell phone bill. Is that a good decision?

How to Avoid Bad Credit Loan Scams
Many loans offered to people with bad credit are actually scams that can leave you out of hundreds or even thousands of dollars in fees.

How to Use Credit the Right Way
Whether you're building or rebuilding your credit, knowing the right way to make charges and payments will help raise your credit score.

Capital One Platinum Credit Card Review
The Capital One Platinum Credit Card is for people with average credit. There's no annual fee, but a high interest rate for all balances.

The Dangers of Debt Settlement
Debt settlement aims to reduce your debt, but often at the expense of your credit history. Find out why debt settlment may not be the best solution.

Adding Your Child as a Credit Card Authorized User
Making your child an authorized user on your credit card can help boost their credit score. Consider these things before you change your account.

How Will Bankruptcy Affect Your Credit Score?
Bankruptcy is notorious for being one of the worst things for your credit, but just how far will your credit score drop if you file bankruptcy?

How To Stop Debt Collectors From Calling
Debt collection calls are usually unwanted and can border on harassment. The federal law gives you rights that help you stop debt collector calls.

What to Do When Your Credit Card Is Lost or Stolen
Report a lost or stolen credit card before a thief has a chance to make fraudulent charges to reduce your liability.

The Statute of Limitations On Debt - An Overview
The statute of limitations on a debt keeps debt collectors from winning a lawsuit. It varies by state & depends on the account's last date of activity.

Sample Pay for Delete Letter for Credit Report Cleanup
Use this sample pay for delete letter to negotiate removal of negative collection accounts and charge-offs from your credit report.

Good Debt vs. Bad Debt - Which Debt Do I Owe?
Did you know there was a such thing as good debt? There's a big difference between good debt and bad debt. How much of each are you carrying?

Reporting Debt Collectors That Violate the FDCPA
Debt collectors must follow the FDCPA when they're collecting a debt. Here's what to do when a debt collector breaks the law and violates your rights.

Secured vs. Unsecured Loans - Major Differences
Secured loans are different from unsecured loans in one key way. Secured loans require you to use an asset to secure the loan.

Gift Card Expiration and Fee Rules
The Federal Reserve proposed new gift card rules that keep gift cards from expiring within five years from purchase or last load of funds. The new gift card rules also limit the fees that can be charged on gift cards.

Secured vs. Unsecured Debts: What's the Difference?
Debts can fall into one of two categories: secured and unsecured. Make sure you know the difference before you borrow.

How to Recognize a Credit Card Telephone Scam
Thieves use credit card telephone scams to trick you into giving out your personal information. Learn to recognize and avoid credit card telephone scams.

Orchard Bank Classic MasterCard Review
The Orchard Bank Classic MasterCard is for people with poor credit who want an unsecured credit card. It charges high fees and high APRs.

How to Get Credit for the First Time
How to apply for credit for the first time. The steps you should take and what to watch out for.

Citizens Bank CashBack & Accelerator Rewards MasterCards
The Citizens Bank CashBack MasterCard and the Citizens Bank Accelator Rewards MasterCard cards pay more than a one percent cash rebate on purchases.

Citi ThankYou Rewards Program Review
The Citi ThankYou Rewards program lets you earn rewards points on spending on Citi credit cards, debit cards and other accounts. The points are redeemable for travel, merchandise, gift cards and cash.

Pros and Cons of Paying Income Taxes By Credit Card
The IRS gives you the convenience of paying your income taxes with your credit card. Is the extra credit card debt worth it?

Citi Simplicity MasterCard Review
The Citi Simplicity MasterCard doesn't charge late fees or a penalty interest rate if you're late with a payment or go over your credit limit.

7 Must-Have Mobile Apps for Managing Your Credit
These seven apps make it easier to stay on top of your credit with just a few taps and swipes.

Three Benefits of Debt Settlement You Should Consider
Outside the debt settlement industry, you'll rarely hear any benefits of debt settlement. However, for certain consumers debt settlement is beneficial.

Why Good Credit is Important
Good credit goes far beyond getting approved for a credit card or loan. Find out why good credit is so important and how bad credit costs.

What Is Bad Credit and How to Fix It
Bad credit comes from late payments and high debt. Learn how lenders tell whether you have bad credit and what you can fix bad credit.

Setting a Secure Credit Card PIN and Password
A good PIN or password for your credit card is key for credit card safety. These guidelines will help you create a secure credit card PIN or password.

12 Myths About Debt Collectors Debunked
Widespread debt collection myths lead to bad decisions regarding collection accounts. Here are 12 common debt collection myths debunked.

When Can Debt Collectors Call? - FDCPA Regulations
Debt collectors are only allowed to call you between specific times. You have the right to ask the collector not to call you at inconvenient times.

Explanation of Seven Basic Credit Card Features
Explanation of the most common features of a credit card including types of credit cards, interest rate, grace period, fees, and finance charge.

Credit Card Balance Transfer Basics
Credit card balance transfers can save money, but can also lead to debt if you're not careful. Get a quick lesson on the basics of balance transfers.

Is Credit Card Interest Tax Deductible?
Before you use your credit card interest as a tax deduction, get the facts about whether the IRS really allows you to deduct credit card interest.

How Does Credit Card Skimming Work?
Credit card skimming is a type of credit card theft where thieves steal your card information then sell it or use it to make fraudulent purchases.

Remove Yourself as an Authorized User on a Credit Card
Being a credit card authorized user can backfire when the primary accountholder is irresponsible. Here's how to remove yourself as an authorized user.

How to Stop Receiving Credit Card Offers in the Mail
Is your mailbox constantly filled with pre-approved credit card offers? Federal law gives you the right to get rid of this credit card junk mail.

How Credit Cards Affect Your Credit Score
Credit cards are one of the easiest types of debt you can take on. Learn six ways your credit cards will affect your credit score.

12 Ways Save and Earn Money With Your Credit Card
Your credit card is good for more than floating purchases. Use your credit card to save and earn money by taking advantage of rewards and other perks.

How Credit Card Information is Stolen and What to Do
After learning your credit card information has been stolen, acting quickly is important for minimizing the damage.

Credit Card Travel Mistakes to Avoid
Traveling with a credit card can be risky. These tips will help you avoid making common credit card travel mistakes.

How FICO 8 Will Impact Your Credit Score
FICO 8, released in January 2009, was upgraded to better predict the likelihood that credit card and loan applicants will repay their loans.

Can You Use a Credit Card to Pay Monthly Bills?
Paying your bills with a credit card can help maximize your credit card rewards. Continue to stick to your budget to avoid debt and credit problems.

How a Credit Card Application Affects Your Credit Score
You typically have to fill out a credit card application to get a credit card. Learn what a credit card application can do to your credit score.

7 Things to Know About Personal Loans (5 Things to Know)
Personal loans are unsecured loans with a fixed amount = and repayment period. Here's what you should know when you're shopping for a personal loan.

The Ultimate List of Credit Card Signup Bonus Offers
Credit card signup bonuses are a quick and easy way to earn a ton of rewards fast. Check out almost two dozen credit cards with great signup bonuses.

Why You Should Avoid a Credit Card Cash Advance
Fees and interest make credit card cash advances the most expensive transaction. Learn why you should avoid a credit cash advance as much as possible.

12 Common Questions About Debt Collectors
Dealing with debt collections can be intimidating. Get answers to a few of the most common questions about debt collectors.

Why Your Spouse's Credit Score is Different
You share a lot of things in marriage, but your credit score isn't one of them. Your spouse's credit score may be different from yours and here's why.

How to Use a Fraud Alert To Prevent Identity Theft
A fraud alert can help you prevent identity theft by requiring businesses to confirm your identity before approving applications made in your name.

How to Pay Off Debt When You're Broke
Being broke doesn't mean you have to spend your life in debt. Spending less and earning more are two key ways to pay off debt when you're broke.

Four Types of Debt Consolidation Loans
Consolidating your debt will make it easier to pay it off. Check out four debt consolidation loan options.

7 Excuses Keeping You In Debt
People use excuses to avoid dealing with the truth. If any of these excuses are keeping you in debt, it's time to get rid of the excuses and the debt.

Pros and Cons of Credit Cards
You can use a credit card effectively without getting into debt or ruining your credit. Knowing the pros and cons of credit cards can help.

How to Find an Apartment After Foreclosure
Some landlords turn down renters with past foreclosures, there are ways to get around it and rent even with a foreclosure on your credit report.

7 Things to Know Before You Cosign
Cosigning may sound like you're just doing a favor, but cosigning a loan comes with risks you should consider before you offer up your signature.

12 Essential Tips for Buying a Car With Bad Credit
You can buy a car with bad credit, but it's important to watch out for shady car dealers who get you in an expensive car loan then repossess the car.

5 Signs You'll Never Pay Off Your Credit Cards
Minimum payments on high balances is a sign you may never pay off your credit card. Find out five signs your debt is more serious than you thought.

How to Get a Free FICO Score Estimate
If you want to get an idea of your credit score, you can your FICO score for free if you know the information in your credit report.

Five Ways to Consolidate Debt On Your Own
When your debt is spread out among several different credit cards, paying it off can be a long process. If you consolidate debt, you can combine your debt paying efforts and pay off your debt quicker.

The Truth About How Marriage Affects Your Credit
Whether you're engaged, already married, or just thinking about marriage, you should know how marriage affects your credit and the credit of your partner.

ReadyDebit Prepaid Visa Card Review
The ReadyDebit Prepaid Visa Card charges high monthly fees and lots of different transaction fees. It also offers several plan options that are very confusing.

Six Fears of Credit Cards
A fear of credit cards can keep you from building a good credit. Get over your fear of credit cards by understanding how credit cards really work.

Why Your Credit Card Won't Work
There's usually a simple explanation for why your credit card won't work. Find out if one of these eight reasons is the solution for your issue.

Finding Credit Cards Based on Your Credit Score
Here are some ways to find credit cards best suited for your credit score. Checking for credit card matches improves your odds of being approved.

The Dangers of Credit Cards
Credit cards can be dangerous for those who haven't learned to use them wisely. Check out 8 dangers of credit card and find out how you can avoid them.