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Tips and ideas about using credit cards and paying credit cards off.

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Gas Only Credit Cards?Are there any gas credit cards to limit purchases/use to gas only?

 

using a credit card

Credit Card Tips and TricksThis page contains credit card tips and tricks. When using a credit card, there are a number of important things to keep in mind.

 

Person with credit cards and a calculator.

Reducing Credit Card DebtThe amount of credit card debt you owe can creep up on you. If you only pay the minimum payment you will not make any headway in reducing the balance. Make larger payments, pay off recent charges, and reduce the purchases to see the balance go down. This is a page about reducing credit card debt.

 

Woman holding a stack of credit cards and typing into a calculator.

Dealing With Credit Card DebtThis is a page about dealing with credit card debt. Do you have a large amount of credit card debit or is your interest rate really high? Here are some tips and advice to help you deal with your credit card debt.

 

Man making purchase with credit card online

Do I Need to Insure My Credit Cards?Most credit card companies offer some type of insurance if you are injured, unemployed or otherwise unable to pay. This page helps answer the question: do I need to insure my credit cards?.

 

Woman paying grocer with cash

How to Save Money By Paying With CashThis is a page about how to save money by paying with cash. There are numerous benefits to not purchasing items on credit. We are surrounded by constant incentives to use credit, but just avoiding interest fees help you save money.

 

Teenager With Credit Card

Dreams Come True with a Credit CardMany people creatively use credit to overcome financial obstacles. This page contains information about making your dreams come true with a credit card.

 

Woman using Credit Card at store

Treat Your Credit Card Like Real MoneyCredit cards can be very easy to use if you don't have cash on you, but make sure you can pay off the charges you make. This is a page about treat your credit card like real money.

 

A stack of credit cards.

Using a Prepaid Debit or Credit Card?This is a page about using a prepaid debit or credit card. A prepaid debit or credit card is easy to get, safer to carry than cash, and as a bonus can help curtail spending.

 

Credit Card

Credit Card Rewards TipsThis page contains credit card rewards tips. Make sure you get all available benefits from your credit account.

 

A girl college student with a credit card.

Financial Tips for College StudentsThis page is about financial tips for college students. With a credit card, it is important to learn to stay within your budget.

 

Hand With Gold Credit Card

Saving Money With Credit CardsThis is a page about saving money with credit cards. There is a cautionary note to be considered when tempted to open a new credit card account because of the promise of savings.

 

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Stack of Credit Cards

Paying Off Credit CardsThis is a page about paying off credit cards. It is often difficult to pay off our credit cards and then the finance charges begin to grow.

 

A stack of credit cards.

Protecting Credit CardsThis is a page about protecting credit cards. We all have them, credit cards are how we often shop, but they can be lost, stolen, or otherwise compromised by thieves.

 

Reporting Errors on Your Credit Card Bills

Reporting Errors on Your Credit Card BillsHow many of us notice errors on our credit card bills? If you're like most people, you look at the total amount due, and you scan the companies that placed charges on your account.

 

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Product Review: Capital One No Hassle RewardsFirst, a warning. ONLY do this if you have the cash on hand to pay off your credit card balance at the end of each month. Otherwise, you will be paying interest, which defeats the point.

 

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Transferring Credit Card Balances?Is it wise to move the balance of a higher interest rate credit card to another card at a lower rate? What are the pitfalls?

 

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Do You Need a Credit Card to Establish Credit?Two years ago I found out the person who was supposed to be handling my finances never did. So, at the age of 54, I had to start over from zero. I recently got my first credit card and I'm sorry I did. This company is a monumental pain to deal with. I've thought of switching but everybody says all credit card companies are the same. Do you really need a credit card to establish credit?

 

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Should I Close My High Interest Credit Card Account?I have recently paid off all my credit cards. However, there is one that is still accruing a $10 monthly fee. The interest rate on the card is 33%. Should I close the card out and if so will it hurt my credit score?

 

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Credit or Debit?With only a few exceptions, you are better off sticking with credit cards and using debit card only to get cash at ATMs

 

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Online Credit Cards?Online Credit Cards. I saw an article in the paper about using private on-line credit cards when purchasing on-line. They are impossible for thieves to steal any info.

 

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Getting a Better Credit Card?Getting a Better Credit Card. How do I get a high limit card to transfer a high balance? I have a Credit Card that's killing me in interest but my credit rating is too low to get much in a new credit card.

 

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Stopping Prescreened Credit Card OffersYou can choose to stop receiving 'prescreened' offers of credit from credit and insurance companies by calling this number. I did it and stopped the offers for 5 years for my husband and I.

 

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Keeping Credit Card Signatures LegibleKeeping Credit Card Signatures Legible. To keep your signature legible on the back of your credit or debit card, just cover it with a strip of cellophane tape.

 

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Low Interest Credit Card CautionsCredit card companies are not altruistic in any way. I carry a balance with 0% interest. They sent me checks to buy items or to transfer other balances at 3.99%. On the surface this seems like a good deal but then I read a contract they provided.

 

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Credit Card Offers?How do I find out which credit cards I have offered me so I can reconsider?

 

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Avoid Going Over Your Credit LimitWhen paying your bills, always write your available credit on a list, so when you go shopping you will not go over your credit limit and be charged a fee.

 

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Credit Card Information on Your ComputerWe know a couple that pay off their credit card each month. A few years ago, they went to purchase new patio furniture and the clerk told them they needed to pay with another form of payment as their credit card was maxed out. Knowing this couldn't or shouldn't be so, they rushed home to call their credit card company.

 

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Credit Card FeesBe aware that credit card with rebates, cash back, travel awards or other perks could have higher fees.

 

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Credit Card Use and Your FutureWhen using credit cards, it's better to not use them so much so you can pay off the monthly balance each month. If you don't have the cash to make your purchase(s) with, either wait till you do, or reconsider the purchase to begin with.

 

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Credit Card Interest You DIDN'T See Coming

If your like most Americans than you have at least one credit card. Most Americans unfortunately struggle from paycheck to paycheck (which is why a lot of us are here) and can only afford a minimum payment on their credit cards. But they pay religiously and are never late.

So how come their interest rate just MAXED out at over 20%?!

 

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Staying on Budget - Tracking Credit Card TransactionsTo help yourself stay on a budget, use a checkbook register to record all your credit card transactions and subtract them from a preset amount you can afford. By June S.

 

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Credit Card for Person with Bad Credit?Does anyone know of any credit card companies that will give me a card even though I have bad credit? - Kelly

 

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Credit Card InsuranceCredit card user do not need to buy insurance. Most credit card insurance companies have a $50 deductible clause under their coverage, and federal law provides this coverage for free. A cardholder's liability is limited to $50 per card on charges incurred before the credit card company is notified of the loss or theft. By joesgirl

 

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Better Interest Rate on Credit Cards?I am trying to get a better rate on my credit card. It's currently 15%. I have pretty good credit and would like to be paying this off a lot faster. I am paying over the minimum but can't pay anymore so a lower rate would help a lot. Anyone have any tips or things to watchout for? I don't want to do something that makes my situation worse. Banks are scary :-) Thanks, Ani

 

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Bankruptcy Advice?When you file bankruptcy just on credit cards, what can you keep? We have a car and motorcycle loan that we pay on time. Sharon from NY

 

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Explaining Credit Card Fine Print?Does anyone know of a site or can anyone explain the mombo jumbo on the back credit card offers? One thing I know is that I have a high interest rate now and I would like to transfer the balance to a better one. Thanks you, Sarah

 

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Track Credit Card UsageTo keep good track of credit card usage, I enter the amount of each charge into my checkbook and subtract it from the balance there, then when the credit card bill comes, there's enough to pay the bill in full. By Jackie

 

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Experiences With AmeriDebtBeware of agencies like AmeriDebt to consolidate your debt. Read my daughter's story and feel free to add your own experiences.

 

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Credit Card Frequent Flyer MilesUse one Visa/MasterCard and charge everything. For years we flew to Hawaii using frequent flyer awards to upgrade to business and first class for the same price as economy fare in "scrunch class."

 

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Credit Card Deals?I'm looking for credit card deals that include cash back, airline miles, money towards cars, etc. I do have a Discover that gives me a little money back, but I would like to know what else is out there.

 

Cat chasing a dollar.

Getting The Most Out Of Your Credit Card RewardsMost credit cards today offer a rewards program. If you use your credit cards routinely, you should check to find out if you have some rewards available. Log in to your credit card account or check your statement to see if you have rewards points.

 

A computer screen with a debt repayment calculator.

Struggling with my Small BudgetI have been working hard on my credit score. I had bad vision up until yesterday when I got my glasses. I was able to read the fine print on some bills. I went to read the billing statements and found the interest rates horrible.

 

pile of credit cards

Dreams Come True with a Credit CardAfter my son moved across the country, I worried how we/they could afford to visit regularly. I signed up for two credit cards that offered flyer miles for a total of 4 round free trip flights and we enjoyed regular visits!

 

A stack of credit cards.

Do I Need to Insure My Credit Cards?Calls to a credit card company often involve a brief speech offering various services affiliated with the card. Accumulating debt is bad enough, but paying interest on the debt and then paying to insure that debt is a poor financial decision.

 

Close up of Credit Card

Simply Debt FreeThe average American credit card debt is over $5,100. While it may not seem like it, this balance is manageable. Within three yeas it can easily be paid off provided that new charges are not added to the debt.

 

Credit card machine spitting out cash.

Think of Using Credit as Spending MoneyOne trap that many of us fall into is thinking about spending money and using credit as different, when both affect our monthly budget. We may buy something on credit that we would never consider paying cash for.

 

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Choosing a Secured Credit Card?Please does someone out there know if there is there a secured credit card I can apply for? There seem to be a lot of choices; I want to go with something other than First Premier credit card.

 

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Proper Disposal of Used Credit Cards?Over the years I have had several credit cards and saved them after their expiration date not knowing how to properly dispose them. How do I safely dispose of over 50 used credit cards?

 

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Small Balances Left on Pre-paid Credit Cards?I like to use pre-paid credit cards to order items online. The only thing I don't like is that there are times I have a small amount of money left on it (ex. 50 cents). Does anyone know how to use this small amount up before the credit card company starts applying their fees to it?

 

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Establishing Credit With A Credit Card?Can anyone help me find a good credit card to get? I make $202/month and need to build my credit so that I can start getting things that I need.

 

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Paying Off Credit Cards Quickly?When working on repaying my credit cards faster than minimum payments, am I better off paying $10.00 a week more or the same amount once a month? Thanks.

 

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APR Rates After Closing a Credit Card?I'm thinking about closing a credit card account because the creditor does not want to lower my APR. I've had the card almost 2 year and pay on time faithfully. But if I cancel will the APR continually accumulate on the balance or would it be whatever is left at the time of cancellation?

 

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