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Each person’s debt is personal and specific to them. Just as there are many reasons why people get into debt, there are many ways people can get out of debt. Not all of them work for everyone, but you can find one that works for you.
If credit card debt is pulling you under, learn how to consolidate credit cards and become debt-free. Get one monthly payment and lower interest rates.
Are you only paying the minimum payment each month? If you increased your payment amount every month by as little as $10, you could pay down your debt much faster.
When you’re working to avoid building or adding to credit card debt, the smart choice has been to use cash or a debit card instead. A growing number of financial institutions, however, are starting to charge fees when you use your debit card to make a purchase, making it a bit more challenging to live a “cash only” lifestyle.
With so many misconceptions floating around, it's time to set the record straight on what has changed following passage of the Credit Card Accountability, Responsibility, and Disclosure (CARD) Act of 2009.
Debit cards are gaining in popularity. According to “The Survey of Consumer Payment Choice,” released in April 2011 by the Federal Reserve Bank of Boston, 77% of consumers have a debit card. Additionally, the survey found that debit cards are the most commonly used payment instrument among consumers per month – ahead of cash, credit, and checks. Read how recent changes to debit card rules will affect banks, retailers, and your wallet.
A smart alternative to credit cards is a prepaid VISA or MasterCard. The concept is simple: you decide how much money to load onto your card and you can only spend up to that amount, so you're always in control.
All those facts and figures on your credit card statements may be intimidating, but reading and using this information each month helps you stay in control of your finances.
Ready to demystify your credit card statement? You may cringe at the thought of opening it each month, but understanding all the numbers and the fine print is important - on both the front and the back.
Do you understand the basics of a secured credit card? More importantly, should you be considering one for yourself?
Do you share a credit card with someone else? Find out what it means to be a joint credit card holder or an authorized user.
Charge cards, credit cards and debit cards may look alike, but they offer different services and benefits. Learn the basics of each card and determine which is best for you.
It happens to everyone. Your credit card statement has a mistake on it. Do you know how to correct it?
What's the best credit card deal? Is a lower rate worth the annual fee? Which is better: flight miles, rebate points or low rate? Consider all of these features when selecting the best credit card for you.
Did you know you can save money on Monthly Finance Charges if you pay your bill early?
What's your debt IQ? Take one of our quizzes and find out how much you know about financial fitness.Take the Quiz Now!
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