How Many Credit Cards Should You Have?

How many credit cards should you have? There is no one size fits all answer to this question. If you have a lot of debt that you are trying to pay off, or if you struggle to keep a strict budget, then the answer in your case is to have zero credit cards. However, if […]

Five Things To Consider When Getting Your First Credit Card

For most people, opening their first credit card is the ultimate sign of reaching adulthood. Having a credit card means a great deal of responsibility, and this should not be taken lightly. Understanding how credit cards work and learning tips on how to use it smartly is essential. If you’re planning to look at some […]

What the Credit Card Companies Do Not Want You To Know

Ah this is a great topic for the holiday season…Credit cards are the best invention ever made right? Well, they may be a great invention for credit card companies (especially right around this time of year), but for the consumer that does not understand their impact, credit cards can be a nightmare. However, for consumers who […]

The Lucrative Side of Credit Cards: Are Credit Cards Really That Bad?

In the personal finance niche, credit cards tend to have a negative connotation. There are many stories about people climbing out of what is seemingly insurmountable credit card debt, myself included. If used incorrectly credit cards can be quite detrimental, but they don’t have to be. Education Proper credit card use starts with education. Something I was lacking. […]

Credit Cards: What’s Available These Days?

The following article was submitted by guest poster Shay Quincy. If you already have a credit card, looking for a new bit of plastic might be the last thing on your mind – but it’s worth doing your research. Finding the right deal could save you money in the long run, so let’s take a […]

How To Pay Off Debt

In 2012, 46% of Americans carried over a credit card balance from month to month. For those households with credit card debt, the average balance of that debt was an astonishing $15,800.  Why do people have so much debt and why can they not pay off their balances? You generally fall into two categories if you […]