Using Secured Credit for Bankruptcy Clients

Secured credit cards are an option for customers that have had a spotted credit history. The cards available are applied for by customers with a less than perfect credit score that might not be approved for traditional credit cards. How do secured credit cards work? – Secured credit cards require the customer to pay a deposit to the credit card company that is equal to or a portion of the credit... [Click here to Read more]

Rebuilding Credit with a Debt Management Plan

Rebuilding credit….have you been dealing with bad debt for a while and still have no idea on how to get over it? When you miss payments for your credit card, mortgage or loan, it can seriously cause some harm on your credit score!. In terms of mortgage payments, when you start missing payments, the lender will consider sending your file to the foreclosure department. Credit card payments are... [Click here to Read more]

How to Get a Payment Holiday from Credit Card Debt

Is credit card debt dragging you down? Did you know that you can contact the credit card company in the case that you are facing financial difficulty and make arrangements with the credit card company to reduce the payments that are being made temporarily or even reduce the payments to interest only, for a limited time?. Credit card companies are often willing to extend these privileges to customers... [Click here to Read more]

What Happens if I Miss Three Credit Card Payments?

There are many repercussions for customers that miss credit card payments. The customer can be charged over limit fees, late payment fees and even suffer from increased interest rates once the payments are missed – and in the case that the customer has missed more than three payments the credit card account is eligible to be cut off, and the account closed, causing the customer to have to repay... [Click here to Read more]

Using Secured Credit Cards to Improve the Credit Score

Everyone makes mistakes from time to time, but some mistakes are serious and can affect the credit score. Financial mistakes that are made including mistakes that have caused the customer to miss payments, default on credit cards and other bills and have notices sent to collections can drastically reduce the credit score – causing the individual to face higher interest rates and the inability to... [Click here to Read more]

Credit Card Debt – Which Credit Card Should I Repay First?

Making a credit card repayment plan is the first step to getting out of debt. Customers need to create a plan to know which cards are going to be repaid first, how much of the budget is going to be allocated to credit card debt and how long the customer is going to have to actively participate in the repayment plan before finally getting free of the debt that has been accumulated. When it comes to... [Click here to Read more]

How to Negotiate with the Credit Card Company for Lower Interest Rates

Did you know that like other financial services, you can negotiate with the credit card company to get lower interest rates?. All it takes is a simple phone call to the Mastercard, Visa or retail credit card company to ask about reduced rates and determine whether you are eligible to save on the cost of the card. How can you negotiate with the credit card company? In order to negotiate with the credit... [Click here to Read more]

Good Credit Card Offers

4 Features to Look for in an Airline Credit Card Like other credit cards, airline credit cards have their perks and advantages with some good credit card offers. [WIDGET1] These advantages can include low introductory rates as well as the utilization of services connected to these cards. Be sure to maintain good practices as outlined in the Credit Relief article. However, the main feature found in... [Click here to Read more]

Maintain Good Credit

Help to maintain good credit by practicing these basic credit card safety tips. Credit cards have been around for decades, beginning primarily as store purchase credit cards that were “swiped” manually in a credit card machine to the ones we have today which contain all of the information necessary to perform a transaction on a thin black strip. Living today without a credit card is a rare occasion... [Click here to Read more]

The Basics of Barebones Money Management!

You earn barely enough money for the essentials in your life. You don’t have enough money to make a big change, like graduate education, or your own apartment, or house, or trip to Italy. How do you get to the next step, after getting a job? When your income is marginally adequate, don’t finance a fall. Keep it together and you will get there. Use the twin principles of avoiding non-essential... [Click here to Read more]

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