Have you ever wondered why collection agencies keep calling you more often? There are numerous situations that credit collectors use to get the money you owe.

But lets start from the beginning when you get your credit card. Obviously everyone knows that you need to pay your credit card on...

How Credit Card Balance Transfers Can Affect Your Credit Score

Transferring balance from a high interest credit card to a new lower interest card can definitely save you money on interest, if nothing else at least until the introductory rate ends (if applicable). We all receive those...

As recent as a few years back, the term “Credit Score” was not very commonly used in our society. While there were who understood the term and its purpose, the mass majority, although realizing that there was a system out there that their credit, they did not have a term to stick to...

If you paid for defective goods or services on your credit card and the merchant will not resolve the problem, you can file a dispute with the credit card company using a procedure called, Claims and Defenses.

What are claims and defenses?

Claims and defenses are any valid...

Credit Card Cheques Branded A Rip-Off By Financial Protection Agencies.

The Office of Fair Trading has issued a demand for a change in the law restricting the use of credit card cheques. These cheques have been around for about 10 years and are designed to allow people to transfer funds...

As the cost of going to college continues to increase, many students make the mistake of taking on debt they can’t handle. They may choose to take out credit cards or student loans, and end up with a lifetime of bad credit. Most students in college don’t have the income to make...

Cash back credit cards are cards that reward the cardholder with cash back incentives for purchases made with the card. But, believe it or not, not all cash back credit cards are created equally. In addition, there is a lot to understand about cash back credit cards before deciding if they are...

Just like there are a lot of flavors to ice cream or a great deal of genres in music and books, there are also a lot of types to choose from when it comes to credit cards. And because credit cards deal with money and finances, just the slightest variation can spell a whole lot of difference in...

When most people think about credit cards, they first think of a rectangular piece of plastic that is physically swiped in a machine when you make a payment. In recent years however, there has been an increasing trend towards borrowing on your account without actually using your card, originally...

Are you trapped under the burden of huge debts? High debts can give you sleepless nights and affect your overall financial growth. Its very important to rebuild your credit before it actually becomes impossible to control it. Depending on how serious your past and present credit problems are,...

In the UK the 8 largest credit card providers have been ordered to reduce their charges, for default and late payment, by between 40 and 50%. The current late payment charge by most major issuers is between 20 – 25 ($30 – $40 US) and the have been instructed to slash that down to 12...

When you are searching for small business credit cards, you want to protect yourself from wasting money. Wasting money can have your business in bankruptcy in no time.

The major things you should search in a small business credit card are competitively low interest rates, generous credit...