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.

5 Credit Cards to Build Your Credit Score, Even With Bad Credit

No one sets out to ruin their credit, but sometimes financial emergencies happen. Maybe your lost your job and weren't able to make credit card or loan payments. Or maybe you have an unpaid hospital bill that was reported to collections and has drastically lowered your credit score. While having a bad credit score has a huge impact on a lender’s decision to approve your application to borrow money, you’re not option-less. If you’re ready to start rebuilding your credit, have no fear! Keep reading to learn about five of the best credit cards for bad credit. 1. Capital One Secured Mastercard [...]

By |2019-01-20T10:47:37-04:00November 1st, 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 |2018-03-01T15:31:11-04:00September 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 |2017-01-12T09:38:30-04:00December 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 |2013-09-26T14:51:10-04:00September 5th, 2013|credit cards|10 Comments

What to do if Your Credit Card is Stolen

Having your credit card stolen is inconvenient. But not only that, it can also result in you being the victim of identity theft and credit card fraud. Of course, you should make sure the credit cards in your purse or wallet are well protected in case they ever do fall into the wrong hands, but what do you do if the worst does happen and your plastic is stolen? Here are the steps you should take immediately after you discover your credit card has been stolen or is missing: Contact your credit card issuer It is a good idea to keep a [...]

By |2018-11-15T13:57:56-04:00March 26th, 2013|credit cards|3 Comments