Credit cards have a bad rap, and there is no argument that many misuse those little pieces of plastic. Paying interest and fees is not exactly a solid financial plan. However, with a bit of strategy, a credit card could be your passport to a new way of traveling.
Credit card sign-up incentives are everywhere these days because they work. But while saving money or adding up miles may sound enticing at the time, you also need to consider the potentially serious consequences when you carry too many cards.
Credit card offers were previously an annoyance. Now, they are opportunities to receive additional bonus points especially, the highly coveted select mailings.
Though practicing a certain amount of vigilance can protect your money from fraudsters, there's no need to assume that everyone is out to get you. What's more, trying to tackle every financial problem on your own can just make matters worse.
How to control your holiday spending.
There are a variety of rewards to choose from, including cash back and points that can be redeemed for travel or gift cards to use in stores, restaurants, gas stations or for online shopping. The credit card rewards options are almost endless, but are they really worth it?
Although I love this time of year for the time spent with family and friends around cozy fireplaces and dinner tables, I dread it for the post-holiday havoc it will play on the credit lives of many Americans.
Depending on the kinds of purchases you make, and how frequently you make them, a business card might be useful to have, even if you don't run one.
It's not an either-or question. It's both. You really need to save and reduce debt. Easier said than done, right? It can be done, you just have to make some sacrifices today to get yourself in a better situation for a financially secure future.
Whether you're ready for it or not, your future will come, and when it does (usually quicker than expected), you will likely
It's that joyous time of year when Americans will spend billions on gifts for loved ones and friends. Millions of consumers turn to credit cards and other forms of payments to purchase all of these gifts.
After years of keeping his credit cards locked in a fire safe, Peter got an unpleasant surprise: a collection of statements totaling more than $55,000. Peter alleges his wife had broken into the safe and gone on a shopping spree at high-end department stores. To say the least, he wasn't happy about it, but they remained married for a few years, eventually divorcing in 2012.
Have you ever stood in line, waiting to pay for Christmas gifts only to be told your credit card has been declined? Or maybe you didn't have enough cash with you. It's embarrassing.
Credit card fraud is a broad term for theft and fraud committed using a credit card. Usually, it's associated with stolen or compromised information and unauthorized credit card charges, but sometimes it's the legal cardholder who's unintentionally committing the crime.
While all of us are at risk of becoming a victim of identity theft this holiday shopping season, there's an even bigger problem. It not only pre-dates the digital era, it was around long before credit cards: It's spending more than you can afford.
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