credit cards

//credit cards

Credit card usage is amazingly prevalent in western society.  The amount of transactions and debt held pursuant to those transactions is staggering and only seems to be growing.  These posts have to do with either my credit card use, credit card bonus rewards or other’s credit card use and bonuses.

Effective Strategies for Improving Your Credit Habits

If you ordered a free credit report recently and it reflects a financial history that is less than sterling, it is important to remember that it is never too late to improve your spending habits. Even if you find yourself carrying a substantial amount of debt, there are ways to pay off your loans and credit cards more efficiently. From opening new lines of credit wisely to communicating with your lenders when times get tough, committing to new and improved financial habits can boost your credit score, earning power, and ease the worry you may feel over your current debt. Be Conservative [...]

By |2018-01-30T19:51:26+00:00January 30th, 2018|credit cards|0 Comments

How to Get The Platinum Card® from American Express

The Platinum Card® from American Express offers the best benefits to its cardholders compared to other American Express cards like the Green or Gold. The benefits will include a point reward system, a four free companion airline tickets every year, airport club access and also a round-the-clock Platinum Card Concierge service who would be able to help you with travel and gift purchases. The Platinum Card® from American Express is very popular with people who love to travel a lot and also to those travelers to different luxury destinations. To those who are interested, you can now complete a Platinum Card application [...]

By |2018-01-18T14:10:25+00:00January 9th, 2018|credit cards|0 Comments

What is the Debt Snowball and Creating a Spreadsheet to Implement It

When I first started this blog, it's main goal was to keep me accountable especially with regards to erasing the debt that had crept into my life.  I felt the blog would keep me accountable while I shared my monthly updates of debt reduction.  Fast forward a few years and debt eradication just isn't a huge part of my life anymore (thankfully).  Notwithstanding, I had an interesting conversation with a co-worker and it inspired me to revisit the idea of a debt snowball as a way to pay down debt. Steps Needed Before You Build Your Debt Repayment Plan This may seem obvious to [...]

By |2018-03-01T15:31:11+00:00September 14th, 2017|credit cards|2 Comments

When a Credit Card Balance Transfer Might Make Good Financial Sense

Are you carrying credit card debt? If so, you’re most likely paying astronomical interest rates that can make it hard to shuck off that debt and work toward your other financial goals. But what if there was a way to pay off your credit card debt without paying those high interest fees? There is — it’s called a credit card balance transfer. Balance transfer credit cards typically offer interest rates as low as zero percent for an introductory period, giving you six months or more to work on paying off your credit card debt interest-free. If you can manage to pay off [...]

By |2017-01-12T09:38:30+00:00December 15th, 2015|credit cards|0 Comments

Back to Zero With Credit Card Debt

When I started my personal finance blog in 2008 I had over $16,000 worth of credit card debt.  It took about a year or so but I paid that all off, and The Wife and I were one of those people with literally zero credit card debt that carried over month to month.   This lasted a few years until this past January when we bought our new home and subsequently "had" to get new carpeting, furniture and a TV.  Fine, none of those things listed were necessities, but they certainly felt damn important to get...especially my TV. While The Wife and [...]

By |2013-09-26T14:51:10+00:00September 5th, 2013|credit cards|10 Comments