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Monthly Archives: December 2011

The Case for College Credit Cards

There’s been a lot of scrutiny and criticism aimed at college-aged kids and credit card offers. Many college students are already accumulating debt through student loans, and some of the marketing arrangements between banks and college campuses feel downright slimy. But should you panic when your child brings home their first credit card? Here are a few reasons why college kids with credit cardsmight
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Student Credit Cards 101

Almost all students have and use student credit cards. Some of the students use them wisely and build for them an early credit history but others accumulate lots of debts that would have to be paid off once the student life is over. Students that have a credit card should learn how to take charge and manage their own finances as soon as possible,
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Understanding Your Credit Card Rights

When you apply for and are issued credit, your signature on the credit application acts as your acceptance of the terms set forth by the issuing financial institution. Even though it may seem that the issuer has the upper hand in all matters related to using the credit, that’s not entirely true. You have certain rights, many of which are provided under the Fair
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Students: Build Your Credit Early With a Low Limit Student Credit Card

As you begin to embark on the world as a college student, responsibility for yourself shifts from your parents to you. One of the most important things a college student can do for their future is to begin to build their credit. Your credit score will follow you for the rest of your life, and a good score will help you to obtain loans
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How to Choose a Credit Card That is Right for You

If you are shopping around for a new credit card, you may be wondering how do I pick one that is right for me. After all, there are so many options available that it can be overwhelming. There are however, a few basic things to consider before making your choice. Mainly you have to consider what your needs and spending habits will be with
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Consolidating credit cards

Credit card consolidation is a popular solution for those with significant credit card debt, usually distributed on three or four different cards. Basically, this means putting all your debts together on a single card, like transferring it all to one loan. Of course, the goal is to pick a card that offers better conditions than what you already have, in order not only to
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Are 0% Balance Transfer Offers Really Free?

Paying off credit card debt with 0% interest is a dream come true – which is exactly why a large number of credit card companies offer the promotions. They know it will attract new customers who have debt with other credit card companies to transfer that debt to their cards. But where is the value to the company offer the credit card balance transfer
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Identity Thieves are Sneakier Than You Think

We’ve all heard the warnings: never give out your personal information over the phone or Internet unless you want someone to steal your identity. Even the most official-looking e-mails branded with corporate logos can be a front for phishers – crooks who want to make off with your credit cardinformation and more. But sometimes you have to take extra steps to protect your identity.
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Get a Perfect Credit Score In 5 Tips

Getting a perfect credit score is something that could potentially save you a lot of money on interest charges. If you want to go after a perfect credit score, there are a number of steps that you will need to complete. Here are some tips to getting a perfect credit score. 1. Don’t Be Afraid of Credit Many people mistakenly believe that they should
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