Older Stuff

Great Credit Card Deals : Target Red Debit Card and Amazon Prime Credit Card

There was a period of time when I was REALLY dead set against getting any more credit cards. I was fastened to my “no more complications” credo that included not having any more bills to pay in a month than I could put on one little sticky note that I keep in my wallet [...]

When You Can’t Pay the Credit Card Off Every Month….

After I had about $10k in credit card debt to pay off after college (this didn’t even include the student loans I had incurred), I vowed once I paid them off I would never ever fall back into the “credit card trap” again.  I actually ended up getting them all consolidated into a manageable [...]

Credit Card Use on the Rise – And I’m Part of the Reason!

I remember a time when I was able to comfortably swear off the use of credit cards almost completely. And when I did use my credit card, I either made sure it was my debit card and not a “play now pay later” card, or I made darn well sure that I paid that [...]

My, How Quickly Credit Card Balances Can Skyrocket!

My husband and I have been once again reminded how easy it is to let credit card balances get out of control. We’ve been struggling a bit in the financial area this past year (hoping 2013 brings more prosperity) due to some severe wind changes in our side business.

Thank God we’ve both held [...]

Why Would a Credit Card Offer Not Include the APR?

I recently received a credit card offer on a somewhat “prestigious” business credit card (it had a certain color, big deal I guess?). I won’t say what the company was, but let’s just say that I browsed through their offer several times to try to find the most important part to me, which is [...]

Getting a Sudden Influx of Credit Card Offers? Do You Have a Balance?

I’ve written before about how I’ve noticed I get a sudden influx of credit card offers after I either start using my credit cards more often or my husband has applied for something new like a new card or a new line of credit. Well, let’s add this new discovery to the list too.

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I Got a Visa Black Credit Card Pre Approval : What’s That Mean?

I’ve been getting a slew of credit card offers in the mail lately. What is funny about this is that I think the reason is I’m starting to carry balances on both my personal and business credit cards, so I think they’re looking at me now as someone they can make interest off of.

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Make Sure Your Business Card Comes with Rewards

I spend a lot on my Chase business credit card. For that reason, I wanted to make sure I had been set up with a pretty good deal when it came to reward points. What I ended up choosing in the end was not a cash back program or something where you could pick [...]

How to Use Credit Cards Properly

Credit cards can be great. They were created for a reason. That reason was not to put us all in blind debt by spending money on things that we knowingly couldn’t pay off in a reasonable amount of time or spend money we simply did not have.  Of course, some creditors like it this [...]

Watch Out for Balance Transfer Fees

Balance transfer credit cards or even consolidation loans can be a wonderful, wonderful thing. But they are only truly a wonderful deal if you know, as a consumer, what to avoid and what to look for in the balance transfer deals you get from various financial institutions and credit card companies.

What you really [...]