There are many different ways to hurt your credit score, either intentionally or accidentally. Find out how you can avoid damaging your credit score.
Your Personal Credit - Master It
Whether you like it or not, your personal credit history, and your credit score, can pretty much run your life. It can impact your ability to get a job, buy big-ticket items like houses and cars, and can limit your success in life. The bottom line is this, everybody has to play the credit game.
Credit cards can be a useful financial tool, but they can also hurt if you have no self control. Use prepaid and secured cards to rebuild your credit or use rewards cards if your good at controlling yourself.
Credit cards can be convenient and give you some perks and for many of people, have become an essential part of their lives. But the little bit of green you may get in rewards doesn’t compare to the green that the credit card company is making off of you. Regardless of your situation, whether you [...]
As is often the case after the holidays, credit card holders are little prepared to deal with the credit card bills they get in the mail come January. While it is better to prepare well ahead of time for holiday spending, there are some tips to help you survive your credit card bills during the [...]
The holidays often involve a lot of chaos, stress, and absent-mindedness. They also involve a lot more spending than you or your budget is used to in a year. As many consumers are still apt to wait until the last minute, financial decisions during this time are not always contemplated as carefully as they should [...]
Your credit utilization ratio is the total of your credit balances divided by the total of your credit limit. If you have credit cards and a revolving loan that make it possible for you to charge $10,000 worth of purchases and you have spent $5,000 – you have a 50% credit utilization ratio. Your credit [...]
If you are in the market to save some money then a balance transfer deal is something that you might like to consider. Balance transfer credit cards are designed to give you some relief from other high interest credit cards. They give you a chance to pay down your balance and give you the breathing [...]
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