Credit Card Whiz Kid

2 Easy Tips for Getting out of Holiday Credit Card Debt

Tue, 30 Dec 2008 19:32:51 -0500

If you're like most Americans, you probably racked up some holiday credit card debt this year. And who can blame you? Some of those sales were just too good to pass up and you probably had quite a list of people to buy for. Alas, the damage is done. Now it's time to remedy the situation. Here are two tips to help you get out of holiday credit card debt fast.

How To Make Credit Card Returns Less Stressful This Holiday

Fri, 26 Dec 2008 22:31:06 -0500

Now that the day of gift giving has past you may be looking at a pile of items that you realize you may not really want or forgot to give to those who were supposed to receive them. The only option now is to return those items to the store so that you can either get what you want or get credit back onto your account. Here are a few simple steps that can help you make that happen.

How to Avoid the "Credit Card Declined" Embarrassment

Wed, 10 Dec 2008 22:14:26 -0500

None of us want it to happen, but most of us will get a "Credit Card Declined" message at some point in our lives. No, it doesn't mean your credit is bad. No, it doesn't mean you didn't pay the bill. There are many reasons your credit card could be declined, and there are things you can do to avoid it. Here are some things to keep in mind...

Do You Really Need a Business Credit Card?

Tue, 02 Dec 2008 17:57:29 -0500

If you own a business but you don't have a business credit card, you need to re-evaluate the situation. Combining your personal credit and your business credit isn't always a good idea. If you've been thinking you can do without a card in your business's name, here are some reasons to reconsider...

3 Things You Shouldn't Do with a Balance Transfer Credit Card

Wed, 05 Nov 2008 19:48:15 -0500

If you're thinking about getting a balance transfer credit card there are a few things you need to keep in mind. After all, the road to good balance transfers is littered with obstacles and distractions. How do you know the card you pick is a good one? Here are three things you should say no to...

What Every Parent Needs to Know Before Plunging into a Prepaid Credit Card for Teens

Wed, 22 Oct 2008 21:44:25 -0500

My nephew is turning thirteen this month and the gift at the top of his wish list is a prepaid credit card for teens. After all, how cool will he look when he whips out a credit card with his name on it to pay for his hot lunch? It could be the key to popularity, cute dates and even a spot on the football team. Okay, maybe not. But a prepaid credit card for teens can indeed do some good. Here's what you need to know...

A Few Words of Advice Regarding Debt Consolidation...

Tue, 14 Oct 2008 16:18:24 -0500

So you're drowning in debt... Welcome to the club. It's one that's filled with members from all walks of life, and many of them are beginning to seriously consider debt consolidation as the economy seems to struggle. If you're one of those who thinks consolidation is a way to fix your debt situation, there are a few things you need to know...

Calling All First Time Credit Card Applicants!

Sat, 27 Sep 2008 18:37:03 -0500

First time credit card applicants are at risk of falling into the most common pitfalls of the credit card world if someone doesn't take the time to warn them. Fortunately, I'm here to do just that. Before you put your name to that first credit card application, there are some things you need to know...

Is It Wise to Use Your Credit Card for Investing?

Sun, 21 Sep 2008 15:15:40 -0500

With the recent stock market drops, many are wondering if now is the time to buy low, and if they should borrow against their credit cards to do so. If you're one of those considering borrowing from credit cards to invest in stocks, there are some things you need to know before you make a huge mistake.

Your Credit Card Bill: Making Payments Easier

Sun, 14 Sep 2008 12:10:21 -0500

Assuming that you'd prefer not to actually write a check and stick it in the mail, you have other easy, online options to pay your credit card bill. You can approach this task from two directions -- either you have your credit card company deduct the payment from your bank account, or you use your bank's bill pay feature to send payment to your credit card company. Which method should you use?

Keychain Credit Cards: Innovative or Defunct?

Mon, 08 Sep 2008 14:43:27 -0500

Credit card companies are always looking for new ways to make their products more convenient for their customers, and keychain credit cards are one of them. These new little cards can be attached to your keychain and quickly waved in front of a card reader for fast purchases. Seems like a novel idea, but are they really the next generation in credit cards?

Some Simple and Straightforward Tips for Avoiding Credit Card Fraud

Tue, 02 Sep 2008 08:59:42 -0500

Credit cards can be both a blessing and a curse - and those who have been the victims of credit card fraud understand that sentiment all too well. Used cautiously, they can make purchases both in-person and online much easier to conduct. Used irresponsibly, or without the necessary oversight, however, credit cards can make you more vulnerable to fraud and wreak havoc on your finances. Here's some tips for avoiding the darker side of the credit card world.

Your Kids And Your Credit Card: Not A Good Combination!

Sun, 31 Aug 2008 09:10:11 -0500

As teenagers become increasingly independent, it may seem appealing to encourage their independence and mobility by making them authorized users on your credit card. For kids with a limited sense of financial responsibility and an inherent tendency to give into peer pressure, however, the temptation of seemingly limitless buying power can forge an ugly battleground. If you are considering letting your kids use your credit cards, there are some things to consider.

A Few Words of Wisdom Regarding Teens and Credit Cards

Mon, 25 Aug 2008 19:15:46 -0500

With proper management of credit cards being an under-emphasized but highly-valuable life skill, many parents wonder how to teach their teens about responsible use. Fortunately, a careful approach to teaching your teenager about credit and credit cards can lead to a lifetime of good credit reports and conscientious credit use.

Are You a Good Credit Card Role Model?

Wed, 20 Aug 2008 19:07:02 -0500

Do you ever find yourself eyeing something in a store, debating whether or not to buy it -- then finally deciding to put it on a credit card because you can't pass it up? When you did that, was your child watching you? Our actions, as parents, influence how our children approach credit card use. That's something we might want to consider when making impulse purchases.