April 2009

Learn how to recognize the best balance transfer credit cards -- and where to find them.

If you're thinking of switching credit cards, but you already carry debt, you need to know the best balance transfer credit cards. Transferring your debt to a new credit card can be a great way to reduce your interest payments and buy yourself some time to make repayments. Even if you're not struggling to meet your monthly obligations, it can be a good idea to switch cards -- why pay interest you don't have to?

Of course, this only works if you find the best balance transfer credit cards. Otherwise, you're just switching your debt from one creditor to another, and what's the use of that?

If you're one of the thousands suffering from student credit card debt, you might feel like there's no way out. Students make great targets for credit card companies: they really need the money, they're probably going to go on to paying jobs, and many of them have parents who will cover their debts.

But student credit card debt can financially cripple you for years to come, forcing you to start your career with a ruined credit record and a major debt. How can you get rid of this monkey on your back without destroying your credit rating?

College student credit card debt is becoming problematic for more than a few of today's college students. And contrary to popular belief, it's not always irresponsible spending that's to blame. If you want to avoid the common reasons student credit cards result in debt, there are a few rules you need to live by.

Apparently, there's a Chase credit card to fit every personality, and the saying may just be true. From the fun and spontaneous spendthrift to the ever-cautious saver, there's a Chase card for almost everyone. The question is... which personality category do you fit in?