TIP! Before opening a credit card, be sure to check if it charges an annual fee. Annual fees for black or platinum cards can range from $100 to $1000 depending on the card’s exclusivity. It can be time consuming and confusing trying to sort though credit card promotions that arrive with your mail each day. […]

TIP! Never close out a credit card account without making sure that you know how it will affect you. Many times closing an account can lower your credit score and will show up negatively on your credit report. Let’s face the truth; today, people need advice about managing their money and preventing pitfalls due to […]

TIP! Don’t use cards to buy items you could never afford. While it is fine to use them for items you may afford later, you should avoid using credit to purchase big ticket items that you are going to run into problems paying for. Sorting through all of the different credit card offers you receive […]

TIP! If you cannot afford to pay cash for something, think twice about charging it on your credit card. Though you may want to use a card to make a purchase that you are certain you can repay down the road, it is not smart to buy something that you clearly cannot easily afford. The […]

TIP! If you see any suspicious charges, report them quickly. If you do so, it will be more likely that the thief is caught. While there is a need for cash, credit card use is quickly increasing. As banks make it harder on you with fees on your debit cards and accounts, a lot of […]