Get A Personal Loan Or Use A Credit Card?

Credit Cards

When it comes to buying something you either want or need, it can be tempting to reach for your credit card first to pay for it. There are times when it is beneficial to use your credit; after all, if you use it wisely, you can not only make your purchase but also grow your […]

How To: Maintain Your Credit Score

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Whether you’re working to improve your credit score or are looking for ways to maintain it, you might be making some easy-to-miss mistakes. The good news is that by knowing what affects your credit score and how, you can avoid negatively affecting your credit. Even though most credit scoring models — such as the ones […]

Unemployed? Here Are 4 Smart Credit Card Strategies

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An unfortunate truth is that everyone, regardless of background or education, winds up unemployed at least once. Whether you’ve been laid off due to an economic downturn or left a job to focus on finding work that truly makes you happy, jobless periods are something that we all go through. Despite it being a part […]

Cyber Monday and Identity Theft

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If you didn’t take part in Black Friday, standing in lines that started forming on Thanksgiving this year, or even Small Business Saturday or any shopping on Sunday, you might find yourself tempted with the ease (and the discounts) that come with Cyber Monday. Cyber Monday isn’t a holiday. It’s a fairly recent (coined in […]

The Long-Term Impact Of Credit Debt In Depth

Credit Cards

For some people, too much of a good thing can be a bad thing. The good thing is credit, which leads to the bad thing: debt. The average credit card debt per household is $15,799 — that’s with the average total household debt being $54,000. Unfortunately, there’s more bad news. The average debt of a […]