Managing Credit Remains Key Factor for Seniors in Retirement. The recent recession forced many people in retirement or just heading into it to stop and reconsider. With the downturn of the stock market, many people lost so much money from retirement accounts meant to provide for their retirement that they had to turn to credit [...]
Continue Reading →How does it happen? You receive an offer in the mail for a credit card. You think you are a shoo-in for it, after all, they did say you were prequalified for the card. The next thing you know you have been turned down for credit and you are stunned. The fact is, consumers are [...]
Continue Reading →With the CARD Act in place, consumers now have to think about not only managing their own credit score and report, but also that of their college age students. Unless the student has the ability to obtain a credit card by having his or her own means to repay the debt, which many college kids [...]
Continue Reading →Recent proposals by some US Senators suggest that some credit card companies are trying to sneak in fees and make you pay big time by sidestepping the new credit card rules by giving personal credit users business credit cards. Is this happening to you? If so, it could mean that you would be unprotected from [...]
Continue Reading →In a recent change in legislation, the Federal Reserve determined that the current per transaction fee that merchants are paying to financial institutions each time a consumer swipes his or her debit card for a purchase, is too high. Rather than the 44 cent per transaction average cost right now, the Federal Reserve says it [...]
Continue Reading →What you may not realize is that major financial institutions are facing significant breaches of their personal, consumer related data by would be thieves. You likely planned to spend a lot of time managing your money and you safeguard just who has your private personal information but did you realize that your bank could be [...]
Continue Reading →With new legislation in Congress that could end up cutting the availability and the cost effectiveness of using debit cards for purchases, it may be time to look for another solution. For some people, the traditional credit card just is not available, or it may not offer the benefits that one is hoping for. Still, [...]
Continue Reading →There are now banks fighting banks. The new rule that limits the amount and type of the debit card transaction fee that banks are able to take is being challenged in a court of law. The rule is simple- the card issuers have to limit the swipe fee that the card issuer charges merchants. The [...]
Continue Reading →If you have a low credit score, chances are good you find getting a new line of credit hard to do. It is something that many people struggle with, getting credit when they have a low credit score as it is. However, it can be one of the most important things to do to rebuild [...]
Continue Reading →It’s crushing and nearly impossible to get out of, but for many, debt is the only way to achieve the American Dream. But, let’s explain that a bit further. If you have a low credit score, it could affect you in many ways. Often, a low score will cost Americans their ability to do the [...]
Continue Reading →If your credit is not as good as it should be, there is good news. You can take steps right now to fix it. This is not a scam nor is it something that will cost you money. Rather, hard working common sense can turn your bottom line from a bright red negative into something [...]
Continue Reading →One of the latest trends individuals are dealing with this summer is the inability to take a vacation. Some are looking for more than the traditional sightseeing that comes from visiting an amusement park and want to find something better for them. Would you take a healthy vacation, one that encompasses more time getting fit? [...]
Continue Reading →In recent months, talk about $4 and $5 per gallon gasoline was worrying more than just consumers. In fact, many business owners and tourism officials were worried too. Would the rising cost of gas keep their customers away? If you are considering whether a road trip is a good idea this summer, realize that it [...]
Continue Reading →It can be hard to justify a vacation when you are overworked and overpaying for your bills as it is. What if you could work towards earning a free vacation instead? You could do this, and you could benefit from doing so easier than you think. Americans Think They Can’t Afford Vacations Recent reports indicate [...]
Continue Reading →Recent reports indicate that people are just not cashing in on their earned travel rewards benefits. Credit card companies offer these rewards as an incentive to get people to sign up. Some users simply forget that the rewards are even available. Others never cash them in because they do not know what they have towards [...]
Continue Reading →Credit card fraud, and debit card fraud are becoming more common place than ever. It is easy to get your information, it seems, and to exploit it. If you take a look at some of the new methods that scammers are using to get your information you may be downright shocked. But, there is something [...]
Continue Reading →You have a fabulous time using your credit card at the shopping mall and even for purchases at a nice restaurant, but those mundane purchases you still write checks for. Why is that? When you use credit, you simplify the buying process and cut into the costs associated with mailing a check. Some may say [...]
Continue Reading →The numbers are shocking. According to RealtyTrac, a leader in monitoring the real estate industry overall, one out of over 593 homes in the country received a foreclosure notice in the month of April 2011. That is staggering, but the aftermath is worse. Each of those people, who struggle to build their lives after foreclosure [...]
Continue Reading →Consumers may be able to take a deep sigh and be thrilled that people are buying again. Some credit card companies are now reporting that people are back in the economy making purchases. While this may or may not seem to have a direct effect on you, it should. The reason is simple – now [...]
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