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.

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

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+00:00March 26th, 2013|credit cards|3 Comments

5 Simple Ways to Increase Your Credit Score

It’s January, which means you are probably well on your way to upholding those New Year’s resolutions that you made a few weeks ago. The start of a New Year is always a great time to start thinking about the future. Perhaps 2013 is the year you want to get married, start a family, or purchase a new home or car. While you don’t need a good credit score to get married or start a family, you’ll be much better off applying for a new credit card or purchasing a new home or automobile if you have a healthy credit score. Understanding [...]

By |2015-02-19T20:19:55+00:00January 25th, 2013|credit cards|4 Comments

Getting My American Express Gold Card Annual Fee Waived

I remember recently that it was about a year since I signed up for the American Express Gold Card.  The sole reason I signed up for the card was the 50,000 bonus points I received (their deals change all the time) and I knew I would be going on a trip this year so I would get most if not all of my plane ticket taken care of.  The promotional time had expired but I wanted to keep the card, but how do I justify the $175 the annual fee? If you are interested I used up those 50,000 points plus another [...]

By |2016-02-01T15:35:57+00:00September 22nd, 2011|credit cards|21 Comments

How To Choose A Credit Card For Newbies

Choosing a credit card for the first time can be a confusing and bewildering process. What should you look for? How do you make the best credit card choice for you? There are so many credit cards – Visa, MasterCard, American Express, Discover – and the wrong choice can cost you a lot of money. Don't panic! The first time you choose a credit card doesn't have to be a stressful experience. Just keep a few things in mind, and credit cards can be much easier to deal with than you think. Here are a few helpful tips to get you started. [...]

By |2015-02-12T21:22:29+00:00May 31st, 2011|credit cards|2 Comments