Credit Tips Articles

Beware Debit Card Holds, Especially at the Gas Pump

Debit card holds are a common practice at restaurants and gas stations, and they can get you into trouble if you’re not careful.

Debit card holds, also known as pre-authorizations or “blocking off”, represent an aspect of commercial purchasing that many consumers are completely unaware of. But placing holds on debit purchases is a common practice, one you’ve probably been subject to more than once.

Usually this sort of pre-authorization isn’t a big deal, but it can be costly and annoying if your bank account balance is low to begin with.

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Credit Card Bad Credit? Check Your Records!

If you have credit card bad credit, you need to understand how and why.

If you’ve had credit card trouble, you may have credit card bad credit. Worse yet: you might have bad credit for no reason at all. Mistakes, identity theft, and fraud can lead to bad credit in scrupulous individuals. For that reason, whether you think you have bad credit or not, it’s absolutely essential that you check your credit report regularly.

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What You Should Know Before Opting for Credit Card Forgiveness

Credit card forgiveness… a viable option or a costly trap?

What is credit card forgiveness? Should you try to get it? If you’re looking for answers, you’ve come to the right place. There are a few points to make clear before you participate in this credit card practice, starting with what is it? Here’s what you should know…

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Why You Never, Ever Want To Make a Late Credit Card Payment

Making A Late Credit Card Payment Costs More Than Just The Late Fee

So you make a late credit card payment every once in a while. No big deal, right? After all, the late fee is less than $30 and you’re in somewhat of a budget crunch. No harm, no foul? Wrong! You, my friend, are making a huge mistake every time you don’t pay your credit card on time. Think I’m exaggerating? Here are some things to consider.

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Can You Achieve a Perfect Credit Score?

What It Takes To Get That Perfect Credit Score

Think you have a perfect credit score? Surprisingly, even if you’ve never paid a single bill a day late, you might not have a perfect credit rating. Credit scores range from 300 to 850, and fewer than one in one-hundred people have that perfect credit score of 850. How do the proud and few do it? Here are some insider secrets.

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