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Choosing Cash Back Credit Cards
Many merchants and large department stores offer their customers credit cards with a "cash back" option, hoping that the credit cards will entice their customers to do more of their shopping in their particular store, and charge their purchases with...
Credit Counseling – Get in Line Now to Avoid the Upcoming Rush
Credit counseling is a valuable service for consumers who have trouble managing their finances. A distinctly different service from debt consolidation, credit counseling assists consumers with problem debt by educating them about the basics of...
Debt consolidation – More Options for Reducing Credit Card Costs
Borrowing money against your credit cards has always been among the most expensive ways to borrow money, and when you fail to pay your bill in full each month, borrowing is exactly what you’re doing. You’re not alone; the average American household...
Let your business soar with an American Express Business Gold credit card
American Express has everything your business desires. Let it take you where you need to go! With one of America’s most widely used and accepted credit cards, you simply cannot go wrong with an American Express business gold credit card. The best...
Poor credit mortgage - overcoming financial slumber
There is a huge market for homeowners who have credit issues like - poor credit, sub prime loan borrowers. Some years ago what was seen as a sure sign of frustrated mortgage attempt is now opening a new variety of mortgage called poor credit...
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12 Credit Safety Tips - Credit Watch
Credit Advice and Credit Tips for Shopping Safely. Credit Card Safety.
How to keep your spirits bright and your wallet full during the holiday season and others.
Whether you are celebrating Christmas, Eid, Hanukkah, Kwanzaa or just living life this year, make sure you keep track of your holiday spending to avoid a New Year full of debt.
Create a holiday budget that includes gift buying, decorating and entertaining expenses. Make sure the list is within your budget and stick to it!
Don't blow your balances. Check your debt analysis
Free Calculators online before you start to shop to see how much you can really afford to charge. If your debt reaches more than 50% of your available credit, you could see your Credit Score drop in January.
Keep an eye out for
Identity Theft
Identity Theft during the holidays. Sign up for Credit Alerts that will swiftly notify you if a Grinch has stolen your personal information.
Get creative with your decorations instead of spending a fortune. Paper snowflakes, pop-corn chains and homemade wreaths are just as festive as expensive
store-bought decorations.
Shop early. Spacing your purchases over a few paychecks will help you watch your budget and reduce the amount you charge.
Purchase and send gifts that need to be mailed early to avoid expensive one or two-day shipping rates.
Consider sending holiday postcards instead of letters. You can make the cards yourself and save on postage.
Make a point of checking your receipts to avoid any faulty charges. During the frenzy of holiday shopping, you can easily be overcharged for a purchase.
Take advantage of free gift-wrapping services. Every little bit counts!
Visit the ATM before your shopping trip and withdraw the budgeted amount. Paying with cash will keep you on track.
Avoid the "buy now, pay later" philosophy. Before you pull out your credit cards, gently remind yourself, "If I can't afford to pay for it with cash, I really can't afford it."
If you really want to give, but don't have the money, try creating less expensive homemade gifts such as jam, cookies or a creative gift basket.
Low Interest Credit Cards
About the Author
Itna Yeknom is an independent author for core industry related websites and blogs.
Credit 101 - Credit Basics
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| Credit Reports - Credit Cards - Car Loans - Home Loans - Credit.com |
| Credit.com offers a variety of credit related products and services including credit reports and credit scores, credit cards, car loans, home loan and ... |
| www.credit.com |
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| Equifax Personal Solutions: Credit Reports, Credit Scores ... |
| National consumer credit reporting company that offers credit reports, FICO(R) credit scores and identity theft protection products to consumers and small ... |
| www.equifax.com |
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| The FTC's web site on Credit |
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| www.ftc.gov |
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| Federal Trade Commission - Consumer Credit Center |
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| www.ftc.gov |
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| AnnualCreditReport |
| Site set up by the big three credit reporting agencies in the United States, to furnish free annual credit reports, as required by federal law. |
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| Springboard - Non-Profit Consumer Credit Management |
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| myFICO - FICO Credit Scores, Online Credit Reports and Identity ... |
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| Experian: Free Credit Report and Credit Score, Credit Check ... |
| Credit referencing and consumer targeting for the USA and other countries. |
| www.experian.com |
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| National Credit Union Administration - Home Page |
| An independent federal agency that supervises and insures 7152 federal credit unions and insures 4240 state-chartered credit unions. |
| www.ncua.gov |
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| Credit - Wikipedia, the free encyclopedia |
| Debits and Credits, a type of bookkeeping entry; Credit (creative arts), acknowledging the ideas or ... Retrieved from "http://en.wikipedia.org/wiki/Credit" ... |
| en.wikipedia.org |
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| Credit (finance) - Wikipedia, the free encyclopedia |
| Any movement of financial capital is normally quite dependent on credit, ... Sometimes if a person has financial instability or difficulty, credit is not ... |
| en.wikipedia.org |
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| The National Foundation for Credit Counseling |
| DebtAdvice.org is a service provided by the Members of the National Foundation for Credit Counseling (NFCC), most of them known as Consumer Credit ... |
| www.nfcc.org |
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| FreeCreditReport.com | Free Credit Report and Credit Score Online ... |
| FreeCreditReport.com: Free credit reports and credit scores from Experian. Get your free credit report and credit score now. It's free, fast, and easy! |
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| Compare credit cards | apply for a credit card | 0% balance ... |
| Compare over 300 credit cards, including 0% offers and balance transfers, and make a credit card application online... |
| www.moneysupermarket.com |
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| Ford Credit - Auto financing for Ford, Lincoln and Mercury cars ... |
| Ford Credit provides auto financing to finance a lease or purchase a car or truck through Ford, Lincoln or Mercury dealerships. |
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| The Credit Card Prank |
| In my lifetime, I have made nearly 15000 credit card transactions. ... Credit card signatures are a useless mechanism designed to make you feel safe, ... |
| www.zug.com |
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| Credit magazine, corporate bonds, derivatives, structured credit ... |
| Credit magazine provides information on the international credit markets for credit investors, issuers and market professionals. |
| www.creditmag.com |
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| CUNA: The Credit Union National Association |
| News and resource directory about credit unions. |
| www.cuna.org |
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| Credit/Debt Management - Tools and Advice for Managing Credit and Debt |
| Drowning in debt? Trying to improve your credit score? This is the place for you. Get real world information and tips, as well as the legal low down, ... |
| credit.about.com |
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