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Tired of comparing credit cards and calculating the rewards earnings? American Express, Citibank, Chase, Discover, Bank of America, and other credit card companies offer dozens of competing Visa, MasterCard, AmEx, and Discover cards. Their reward policies for cashback/rebate, frequent flyer airline miles, and points are a complex mix of tiers, limits, categories, and earning percentages.
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These days, having good credit is more important than ever. A bad credit rating can prevent you from obtaining the things that are important, like car insurance, a house, a car, or even a job. If you have you been unfortunate enough to experience late payments, judgments, charge-offs, or possibly even bankruptcy that have made your life a living hell, don't despair; all hope hasn't been lost. With a little bit of time, patience and persistence, you can rapidly boost your credit score 25, 50, or even 100 points.
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The financial and psychological burden of being in debt causes us and our families continuous emotional stress. That stress eats away at the quality of our lives and leaves us feeling powerless, angry, depressed and helpless.
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Under the Fair Credit Reporting Act (FCRA), the Consumer Credit Reporting Companies are permitted to include your name on lists used by creditors or insurers to make firm offers of credit or insurance that are not initiated by you ("Firm Offers").
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Identity theft is a growing concern, despite the high-tech attempts companies are making to help prevent it from happening. It used to be that you'd only have to worry about identity theft if you were crazy enough to throw away documents without shredding them first. If Joe the identity-thief was rifling through the dumpster, he'd be able to take those documents and run with them... literally, and start charging things in your name.
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Yes, credit cards have a bad reputation in the eyes of most people. We all do it though- we get mad because we pay one of our credit cards a little late and then get hit with late fees, or worse, an interest rate hike on all of our credit cards.
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Something I've always considered doing, and what I KNOW some people already do successfully, is use "their money" to make money.
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I learned a pretty hard lesson recently. Let me give you some credit card education! When I was in college 6 years ago (has it really been that long?!) I had a ton of credit cards. I was using them to pay for books each semester and to pay the difference in what my meager savings and college loans wasn't covering for tuition. I'm talking about $11,000 over the four years I was in school in credit card debt, and all before I graduated from college.
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Sometimes you just don't know where your money is going. With deposited checks and direct-deposits bringing money into your account, and your debit card drawing it back out for you to spend in cash form, you pick up receipts everywhere you go and still aren't sure where all of your spending is taking place. But you can take the uncertainty out of the process with a Chase Credit Card. A Chase Credit Card will help you keep track of your expenditures, so you always know how your money is working for you.
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Credit card fraud costs credit card holders and credit card companies billions of dollars each year, if you are a credit card holder and want to protect yourself from credit card fraud, this article is designed to help you do exactly that. The first thing you need to understand is, that once you report a credit card stolen you are no longer responsible for any unauthorized charges, also under federal law your maximum liability is restricted to $50. The first thing you need to do when you receive your credit card is to write down the card number and keep it somewhere safe. In the eventuality of your card being stolen you can easily report it stolen by calling the customer service number and giving them the stolen card's number.
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