So, you have credit card debts that are up to your neck. Well, you are not alone in a sinking boat, if that is any consolation. However, no matter what you do, you should take the time and effort to pay back your debts lest you suffer the consequences.
Recent research from leading UK housing charity Shelter has exposed that almost one million people are paying their mortgage or rent with high-interest credit cards, in a strategy that could pave the road to ruin for the card-holder.
There are certain expenses that we cannot avoid at any cost. One of those expenses is medical expense but sometimes it becomes so high that it results into bad debt. It may not be possible for us to pay the bill until and unless we go for medical hospital bills settlement.
Discover some tips to help you get your first job. Find out what resources are available for you to utilize and how they can assist you in your search.
If you know someone who has become a victim of identity theft you know what it involves. Even though it is a non violent crime, the truth is that it is still very scary. Unfortunately Philadelphia is one of the largest cities that this type of crime is growing in, and there are few options you have
If your credit rating is poor, do not panic. There are a lot of things you can do to fix your credit report. There are many companies that claim to "fix" your credit, but you ...
Many credit card holders sign up for a credit account with an 8.4% interest rate and then later realize that their interest rate has been bumped to 27.4%. Take these six precautions to make sure you don't get charged more. [Read full article]
Many people know about credit reports but they are not so aware about how to obtain free credit reports. Many think that accessing credit reports is a long and difficult process but it is actually not hard as they may think. Anybody who has a credit report has the right to access his or her credit i
There are literally hundreds of different interest rates available on the credit card market today, and many of them are calculated differently. Here's a guide to the various charges you may incur from your credit card provider.
What do you do when you look at your credit history and a sea of red numbers greets you, indicative of a report that is desperately in need of credit repair? Do you sigh and tell yourself there is no hope, that it is too difficult a task to attempt to improve your credit report? If you are someone t
An unsecured credit card is a credit card that doesn't require you to have a security deposit.
Credit counseling firms run the full spectrum, from reliable to unscrupulous. Some advertise that they are not-for-profit to make them seem credible, but the Federal Trade Commission (FTC) website warns that this status does not guarantee legitimacy. Reliable credit counseling has certain characteri
Many banks offer ATM cards that bear a Visa or MasterCard logo. These cards can be used much like credit cards, however, there are important differences between a debit card and a credit card. One of the most important differences is that the funds to cover a debit card purchase come from your bank
The best way to avoid these penalties is to look at the entire situation from the point of view of the credit card company. Really, all they want from you is to keep your card safe, to stay within your credit limit, and to make at least your minimum payment, on time every month.
Does credit counseling bruise your credit report? On the contrary, it can actually improve your credit score significantly! It should be noted that there are really bad cases where a persons credit is so damaged that the only sensible option would be to declare bankruptcy or undergo massive consolid
Bad credit credit cards are ideal for individuals having a problem with their credit histories. These people are the best customers of banks, as they have to pay high interest rates on mortgage, car loans and insurance policies. Above all, they do not get credit cards that easily because of their ba
Applying for a credit card can be overwhelming with all the offers that are available. The following checklist includes some of the issues that should be considered when making this important financial decision.
Once you taste it, you find it hard to stop. That is the result once you were tempted to start owing money from creditors or swiping credit cards. It is good if you are able to pay it on time, but the worst scenario would be when your due date is near and all the bills are needed to be paid.
Those little plastic cards that you can get almost anywhere these days giving you a decent credit line sure seem practical. You can use them to pay your utility bills, your groceries, books you order online... and only have to pay for them the next month and all of this for a small annual fee.
To build your credit is to plan for your future. It is necessary to have a decent credit score in order to purchase a home, an automobile, or to apply for a credit card.