By Jim Sloan Our family loves the holidays, but every year after the tinsel and pine needles have been vacuumed up, we find ourselves with a couple of small problems: Too much credit card debt and a couple of heart-felt gifts we really don’t want and can’t return. The answer for us has been pretty [...]

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By Lisa Tortorello If you are like most people, you probably cringe when it is time to pay the bills. It is a chore almost as dreaded as spending a Saturday afternoon at the post office and dry cleaners. Perhaps the most frustrating and stressful bills to open are those from credit card companies. If [...]

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By Tom Tennant The other day, someone asked me, if given the option, which I preferred: charge cards or credit cards. My answer: “There’s a difference?” There is. And who knew? (If you knew, kudos, because I always thought “charge card” was what our ancient ancestors – Mom and Dad – called the plastic we [...]

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By Ann Cameron Today, it’s often difficult for anyone to get a credit card – whether it’s a zero percent balance transfer card or a best cash back credit card. And if you’re just starting out -or starting over – getting an approval based on your credit score can be even more of a hassle. [...]

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By Jim Sloan I never really paid much attention to the rewards programs offered by different credit card companies. I was raised to use credit cards only for emergencies and not for everyday use, so my sole criteria for getting a card was that the interest rate be as low as possible. But then a [...]

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By Joe Taylor Jr. During the real estate boom of the early 2000s, paying off a credit card with help from a home equity loan seemed like a no-brainer. After all, housing prices in most parts of the country were skyrocketing. Why would you pay double-digit interest rates on a credit card when you could [...]

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By Maricelle Ruiz-Calderon When I got my first credit card, I didn’t know too much about how to use one, or the benefits, or drawbacks of credit cards. I didn’t shop around – I simply accepted the credit card that my bank provided. Luckily for me, it offered a good deal and my family advised [...]

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By Joe Taylor Jr. Instead of flooding my mailbox with balance transfer offers, lenders have been bombarding my web browser and my DVR with ads that make me believe that picking the right credit card can help me live the good life. And while I still would love some help knocking down the interest on [...]

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By Francine Huff If you’re just starting out in the work force, you may be concerned about establishing good credit. You may already have thousands of dollars in student loans and run up other bills, so it’s important that any financial products you sign up for won’t add to your debt. Many recent graduates turn [...]

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By Michele Lerner Most consumers know by now that getting into debt is a lot easier than getting out of it. According to IndexCreditCards.com, the average revolving debt (mostly credit card debt) for an individual over 18 in the U.S. was $3,532 in August 2010. Whether you are a recent college graduate needing to establish [...]

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