Cash Back Credit Cards - Cash or Con?

This article describes the various benefits and pitfalls of cash back credit cards.

Airline Credit Cards - How To Guide

This article will help you understand how to earn the most miles/points with your airline miles credit card.

Is Credit Repair Possible?

Most sites emphatically claim that your credit file can be repaired, even if that requires getting correctly reported negative items off of your credit report. On the other hand, the FTC and credit bureau web sites all say that you cannot possibly have an accurate negative item removed from your credit file.

FAQ: What Can Credit Repair Specialists Do Legally?

The consumer has legal right regarding the information that is reported to and stored by the credit bureaus. Credit repair specialists help consumers take full advantage of their legal rights.

Keeping Records for Credit Repair

If you want to win the credit repair war you must be able to keep good records. From the very beginning you must keep copies of every letter, postage receipts, etc.

Consolidating Credit Cards: How to Effectively Use Balance Transfers

The practice of transferring the balance of one credit card with a high interest rate to another credit card with a lower interest rate is a fairly common way to consolidate debt, but very few people know how to make effective balance transfers. The following factors will determine how and when you should make balance transfers so that you maximize the benefits.

Credit Card Goodies with Affinity Credit Cards

Would you like to do something worthwhile with those cash back and reward points that you're earning on your rebate credit cards? Many major non-profit organizations would be delighted to help you do that.

Why do Some Stores Still Allow you to Sign Rather than Chip and Pin?

The new Chip & Pin credit card system has been officially in use for several months now, but in some cases you'll still be able to sign rather than use your Chip & Pin.

Lines of Credit and Students: Innovative Financing Options for Higher Education

With many financial aid packages being cut as part of overall budgetary cutbacks by the government, many families and students are finding that they must foot an ever increasing portion of the higher education bill through traditional means. Unfortunately, many families simply cannot afford to pay for their child’s education out-of-pocket. They find themselves turning to alternative means to help finance educational expenses, and some families are turning to lines of credit as one unique solution.

Credit Card Balance Transfer Fees

Credit card balance transfer offers were so popular that they ended up costing the credit card industry serious amounts of money. Something had to be done, so the balance transfer 'handling fee' was born.

Constant Credit Card Payments

There is a way to see your credit card balances go down quick without adding more to the payment you make this month. This is easy to do and you are guaranteed to pay much less interest and pay it off much quicker.

Maintaining an Optimal Balance

Once solely restricted to the wealthy, now almost any one can obtain a credit card including the most favored, first year college students. It's no wonder then that U.S. consumer credit card debt stood at over $735 billion in 2003 which further breaks down to approximately $12,000 per household for those who elected to carry balances from month to month. While the advertisements of the Visas and MasterCards of the world continue to tout the convenience and ease at which you can shop or handle an emergency with just a swipe of the plastic, they fail to mention how you as a consumer should use your card including guidelines as to how much credit limit is too much and how to keep from ruining your credit rating by constantly maxing out your credit card.

What are they Charging you? - Understanding Credit Card Insurances

Whenever you are shopping for a Credit Card you always wonder what all those insurances that come with the Credit Card Package stand for and how to issue a claim if something happens to you.