Articles on Credit Cards

Your Interest Rates Are About to Go Up

Have good credit? A low APR on your credit cards? Always pay your bills on time? That's not going to stop your credit card company from jacking up your rate whenever they feel like

Why Would Anyone Pay Mortgages With Credit Cards?

Today I received an email that advertised a program where you can earn rewards by paying your mortgage with a credit card. There are many reasons why this is a bad idea.

Making direct deposit safe for the garnished

The US Treasury pays more money to more people than just about anybody in the world. Last year it disbursed more than $1.6 trillion in 982 million individual payments. As you can

Possible protections for credit card holders

The Federal Reserve has proposed some new rules to protect people from a list of abusive lending practices. The changes aren't in effect yet, and may not actually go into effect.

Dealing with Nasty Debt Collectors

You may (or may not) be delinquent with a debt payment, but debt collectors don’t have carte blanche with regards to how they can hustle the money from you. Some can be rude, make

What's the Best Way to Get out of Debt?

Debt is the hottest topic on personal finance blogs around the world. Why? I would venture to guess it is because so many people are drowning in it

Credit Counseling: When you Need it and When you Don't

So you are up to your eyeballs. Drowning in debt, expenses, and struggling to keep your head above water. You have been reduced to the life of a monk and are still making no headwa

Tips for Increasing Your Financial Literacy

A recent CNN article titled "Americans are 'financially illiterate'"

Six Horrible Financial Products You Should Avoid

Dealing with financial products can be very confusing and stressful, but there are some products that you should absolutely stay away from for the sake of your financial health. [more]

Wisdom from My Favorite Frugal TV Character - Julius Rock

My favorite cheap TV character is Julius Rock from Everybody Hate Chris. Julius is a character based on Chris Rock's father and in almost every episode of the show his fruga

The Four C's of Applying for and Managing your Credit

What exactly is your credit score? What factors are weighed when you apply for a loan? How can you improve your credit and ability to get great loan rates? And how can you unwittin

I Got Duped! Dealing With Credit Card and Merchant Disputes

So you bought an awesome thing-a-ma-jiggy or service with your credit card. But when you got it home you discovered the item doesn't work, the service was a heist, or the

Credit Card Fees: Hidden and Otherwise

Annual fees, grace periods, balance transfer options…it's a wonderful world of credit card jargon out there, and depending on your needs and planned u

Credit Card Rewards Programs

A commenter on a recent article of mine on credit card usage, suggested a follow-up post with an eye to uncovering the mysteries of credit card rewards programs. And in my research, I discove [more]

Top 7 Reasons Why I Use My Credit Card for Everything

I charge absolutely everything to my credit card. Everything. Here are the reasons why I am a credit card junkie.

Can you talk to your friends about debt?

Can you talk to your friends about your debt? Can you talk to your friends about their debt?

Credit Card Insurance? No Thanks.

So your credit card company just called offering you balance protection insurance against job loss, disability, life, or critical illness. The cost will be just pennies, calculated

A Guaranteed Way To Avoid Impulse Credit Card Purchases

This tip is so easy and simple you'll wonder why you didn't think of it already. All you need is a plastic bag and some water, and your impulse credit card purchases will be a thin

6 Steps to Eliminating Your Debt Painlessly

Eliminating Debt Painlessly. Rarely do you see these words fit together in a neat little sentence. The very act of putting your hard earned money towards the stack of debts you've

Lower Credit Card Rates? Just Ask!

Follow these two easy steps, and you’ll be on your way to lower credit card rates and more money in your pocket.