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The Proper Use Of Credit Cards

Credits cards are a convenience, not a crutch.

Credit cards are a great way to make purchases and record to
the penny your spending. They also provide a way to
postpone payment on items and thereby earn more interest on
your money.

For example, if you have a money market account that gives
you 5% annual interest and you spend $1000 a month through
your credit card, you can keep that $1000 in your money
market account for an additional month. At the end of a
year you would have earned an additional $51.16 for doing
nothing.

Now $51 may not be much but it's free!

Also you can use your credit card statements to keep track
of exactly how much you are spending and where your money
goes. With some credit cards you can use personal finance
software to download your credit card transactions from the
Internet right to your home computer.

Credit cards may actually save you money. Some people avoid
making purchases if they do not have cash. Cash seems to
"burn a hole" in our pockets, it just disappears. It is so
easy to spend and it is right there. But a credit card
takes more effort and you know that you have to pay the bill
later that month.

Your credit card may also offer a rewards program where you
get cash back, frequent flyer miles or discounts on services
and merchandise.

Credit cards are convenient. Some purchases, especially
those on the Internet, will only accept credit card payment.
Also you don't have to continually go to the bank or ATM to
get cash.

A credit card also provides a measure of safety. You don't
have to carry large amounts of cash for large purchases.
Even if your card or credit card number is stolen, you are
not responsible for the thief's use of your card.

But credit cards can also be a crutch. Too many people see
their credit limit not as the maximum amount of debt they
can go into, but as an account full of money that they can
spend.

Average household consumer credit balances have now topped
$7000. The monthly interest charge for a credit card
charging 18% interest is over $100. More than $1200 a year
just in interest.

And this interest is not like home mortgage interest that
you can deduct from your taxes. You are paying an
additional 15-36% on top of the $1200 for taxes on the
interest you are charged. That brings your interest charge
total up to $1400-1600 each year. Even more if your balance
or interest rate is higher.

What is silly is that many people who are paying 18%
interest rates on credit are also investing in a stock
market that only averages 11%. Or worse, keeping money in
money market, savings accounts or CDs that only pay .5-3%.

Want an investment that returns over 20%? Invest in paying
down your debts. In the above example you can save over 20%
with taxes factored in.

Many people have developed the habit of using their credit
cards to buy what they want now and paying for it later.
They then make only the minimum payments required. Often
the minimum payment is set so that you only pay the monthly
finance charge (interest) or just a small amount above it.

This will keep people paying that 18% rate for years. A
$1000 purchase can end up costing $1500 when paid off after
5 years. Ironically many of these same people will wait
months for a sale so that the item's price goes down 10-20%
and then make a purchase on their credit card and end up
giving the savings to the credit card company instead.

Sometimes the credit


card can lead a person into living a
lifestyle that is beyond their means. If a person gets in
the habit of dining out two to three times a week and these
meals are paid for by credit card, the card balance
increases quickly. Often the additional expense was not
planned or budgeted. People can even end up spending more
each month than the actually earn.

This can continue as long as the credit card balance is
below the limit and the person makes their regular monthly
payments. But as soon as the credit limit is reached, many
credit companies will increase the credit limit and give the
person more room to get into debt. I have personally seen a
credit card limit expanded by $10,000 within three months.

This cycle can continue until the person is required to make
a minimum payment that is more than they can afford. Now
not only do they have to cut back on the lifestyle they have
grown accustomed to over the years, but they also have to
either increase their income or cut out things they enjoyed
before increasing their lifestyle with their credit card.

Also what happens if the person is suddenly out of work or
has to take a pay cut or lower paying job. That's right,
the credit card bills keep coming. And many people rely on
the remainder of their credit limit to supplement their
income until they are working again or can find a better
paying job.

We have seen this cycle in America increase average credit
card balances each year and eat up the equity in many
people's homes. Home equity loans are used as credit cards
to live a lifestyle that is beyond people's means. Or to
purchase toys they really can't afford to buy let alone keep
and use.

Or the home equity money is used to "pay off high interest
credit card debt" as the ads suggest. But then people
continue the habit of living off their credit cards and get
right back into debt again.

So what is the answer to America's growing debt problem?
Abolish credit cards? Nationally imposed credit limits?

How about a little old fashioned self-discipline? I know is
not in style anymore but it is still the best policy.

Bottom line: pay off your credit card balance each month.
Don't buy something now and expect the big end of year bonus
to pay off your credit card. Even if you do get it, you
will probably spend it on something else.

Don't fall into the habit of living off your credit cards.
If you have $1000 of disposable income to spend each month,
whether through a credit card or in cash, only spend the
$1000. Don't try to make up for extra expense this month by
assuming you can catch up on your credit card payment next
month. It won't happen.

If you have developed bad credit habits, cut up your credit
cards, or only keep one for emergencies and resolve to pay
off the balance each month. Then create a plan to get
yourself out of debt and stick to it.

You can relieve stress, avoid family conflicts and sleep
better at night knowing that there are no credit card wolves
howling at your door.

About the Author

© Simple Joe, Inc.
David Berky is president of Simple Joe,
Inc. which sells the Simple Joe's Debt Eraser PC software.
Debt Eraser can help anyone get out of debt quickly and
inexpensively by creating a href="http://www.simplejoe.com/debteraser/index2.htm">Rapid
Debt Reduction Plan. This article may be freely
distributed as long as the copyright, author's information
and an active link (where possible) are included.

 

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
 
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
 
The FTC's web site on Credit
Credit is much more than a piece of plastic, and the resources on this site can help you become a more savvy consumer. You’ll also find compliance ...
www.ftc.gov
 
Federal Trade Commission - Consumer Credit Center
Features an assortment of helpful articles related to credit issues.
www.ftc.gov
 
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.
www.annualcreditreport.com
 
Springboard - Non-Profit Consumer Credit Management
Our mission is simple: To offer education on the wise use of credit. ... SPRINGBOARD has been approved to provide credit counseling services and issue ...
www.credit.org
 
myFICO - FICO Credit Scores, Online Credit Reports and Identity ...
myFICO.com: Get your Free credit report and Free credit score with a 30-day trial of Score Watch. All three FICO Scores and Credit Reports Available now ...
www.myfico.com
 
Credit Suisse Global
Credit Suisse Group is an international financial services group. - Shares part of SMI.
www.credit-suisse.com
 
Experian: Free Credit Report and Credit Score, Credit Check ...
Credit referencing and consumer targeting for the USA and other countries.
www.experian.com
 
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
 
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
 
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
 
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
 
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!
www.freecreditreport.com
 
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
 
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.
www.fordcredit.com
 
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
 
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
 
CUNA: The Credit Union National Association
News and resource directory about credit unions.
www.cuna.org
 
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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  • credit for qualified retirement savings contribution

  • credit help for buying houses 14 common credit mistakes

  • credit help for renters and others on the horizon

  • credit money and the home

  • credit problems what you can do

  • credit problems with a subprime mortgage lender poor credit is not a problem

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  • credit score an introduction

  • credit score for scoring the right loan

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  • credit scoring for beginners

  • credit scoring what it is and how it affects you

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  • debt consolidation can and will ruin your credit

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  • debt consolidation choose your credit counselor carefully

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  • deciding on the chase credit card

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  • defeating credit card debt with self control

  • demystify the allegorical misinterpretation of bad credit personal loans

  • desperate for a credit card how to have any credit card you desire

  • dial one if you have your credit card handy

  • different credit card terms

  • different types of credit cards and features part 1

  • discovering a better motorcycle loan with a better credit score

  • discover free credit cards

  • discover what to do when your credit worth is damaged due to circumstances out of your control

  • disputing credit reports what you need to know

  • does your business accept credit cards

  • dont be stopped by bad credit

  • dont fall for a scheme when trying to rebuild your credit history

  • dont get scammed when repairing your credit

  • dont let a divorce ruin your good credit rating

  • dont let bad credit stop you

  • dont pay your minimum balance on credit cards

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  • do it yourself credit repair

  • do we underestimate what we spend on credit cards

  • do you know the benefits of checking your credit report

  • do you need a credit card now theres an easy and quick way to apply online

  • do you need a home equity loan or line of credit

  • do you need bad credit help

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  • drowning in debt tips and tricks for getting out of hot water with creditors

  • earn cash when others spend on their credit debit card

  • easing your financial burdens with credit counselling

  • easy credit repair done yourself

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  • eliminate credit card debt 3 reasons to use a debt reduction company online

  • eliminate your credit card debt but how

  • eliminate your credit card debt forever without stress

  • enjoy the benefits of a credit merchant account

  • entrepreneurs or anybody else if you must use credit cards practice safe swiping

  • errors on your credit report what you should do

  • escaping late fee charges on your credit card

  • escaping the credit card death spiral

  • establishing credit the great task

  • establish or rebuild your credit with secured credit card

  • et your credit score to soar in the twinkling of an eye

  • everything you always wanted to know about your credit report

  • every company whether big or small needs to obtain a business credit card

  • extending credit in your home based business

  • factors that trigger credit card rate hikes

  • fair credit reporting act fcra

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  • fast bad credit

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  • finding what is on your credit report

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  • first credit card hazards

  • first major regulatory and legislative victory of 2005 for creditors and consumers

  • five credit card billing problems and how to fix them

  • five easy steps to repairing your credit

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  • five tips to build your credit today

  • five tips when choosing a credit counselor

  • fixing a credit report quickly

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  • fix credit report errors 3 easy steps

  • fraud would you credit it

  • free annual credit reports strategies to avoid imposter websites

  • free consumer advice site launched by credit card industry to protect shoppers

  • free credit cards and balance transfers allow you to manage your debt wisely

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  • free credit reports 80 refunds due to one million people

  • free credit reports are not always free

  • free credit reports for you

  • free credit reports from the government

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  • gateway to success credit cards

  • generate consistent stock market profit through credit spread writing

  • genuineness of credit card processing

  • getting approved for a credit card

  • getting a credit card is a big responsibility

  • getting a credit card without a credit history

  • getting a debt consolidation loan with bad credit

  • getting a mortgage with bad credit

  • getting bad credit help

  • getting the best loans uk with bad credit

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  • getting the loan you need with adverse credit

  • getting the personal loans uk with bad credit

  • get a cheap credit card by understanding the fees

  • get a credit card merchant account

  • get a credit card with a low interest rate

  • get a free credit report

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  • get off to a great start with the right credit card

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  • get your credit score to soar in the twinkling of an eye

  • going mobile part 2 how to get in on the wireless revolution without credit checks or 2 year commitments

  • good credit essential for the prospective home buyer

  • good fico credit score tips to getting the most out of your home mortgage loan with good credit

  • good vs bad credit debt

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  • grants loans free credit cards and credit repair the whole truth and nothing but the truth

  • great credit cards for people with not so great credit

  • guide to bad credit loans

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  • have you lost your credit cards

  • having trouble getting a loan ten common credit mistakes

  • history of credit cards

  • homeownership is still possible with a flawed credit history

  • homework on college credit cards

  • home equity credit lines provide quick access to cash in times of need

  • home equity line of credit finding the best home equity lender

  • home equity line of credit great for remodeling projects

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  • home equity line of credit or second mortgage loan online things to do with your homes equity

  • home equity line of credit pro and cons

  • home equity loan information what is a home equity line of credit

  • home equity loan line of credit vs other conventional loans

  • home equity loan or a home equity line of credit

  • home equity loan or home equity line of credit which is right for you

  • home loans for people with adverse credit history

  • home loans for people with bad credit tips to getting approved online

  • home loans for people with bad credit when you should wait and when you should get a home loan

  • home loans for people with poor credit understanding the requirements for a subprime mortgage

  • home loans for people with very bad credit improve your chances of getting approved

  • home loans repair credit errors in three days

  • home loans repair your credit before you buy

  • home mortgage loans for people with bad credit

  • home mortgage loans for people with bad credit 3 ways to improve your chances for getting approved

  • home owners avoiding complications in credit repair

  • home owners avoid complications in credit repair

  • how apr annual percentage rate works with credit cards

  • how a bad credit report affects your life

  • how a credit card can be your friend

  • how can a qualified mortgage consultant help boost your credit score

  • how can your credit history affect your life

  • how creditors measure your credit rating

  • how credit and faith lead to success

  • how credit cards work

  • how credit card applications can effect your credit score

  • how credit card points are earned

  • how credit repair saved my life

  • how credit scoring works

  • how credit works

  • how customer friendly is your credit policy

  • how does a creditor determine whether to grant you credit

  • how do you accept credit card let me count the ways

  • how do you know if your credit card agent is the best

  • how important is a credit policy

  • how i raised my credit score 40 points in 24hrs and saved 658 a month in interest

  • how i raised my credit score 40 points in 24hrs and saved 658 month in interest

  • how loans can improve credit

  • how many credit cards do i need

  • how much is your credit card really costing you

  • how to accept credit cards

  • how to accept credit cards without a merchant account

  • how to apply for a credit card online

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  • how to avoid credit card abuse

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  • how to boost your credit score

  • how to build business credit

  • how to build business credit despite your personal credit

  • how to check your credit rating and know its affect on you

  • how to choose a credit card

  • how to choose wisely a credit card

  • how to create a good credit report

  • how to deal with credit denial

  • how to dispute credit report errors

  • how to dispute your credit report errors

  • how to eliminate credit card debt

  • how to eliminate credit card refunds from digital thieves

  • how to establish business credit despite your personal credit

  • how to establish credit

  • how to establish credit as an immigrant

  • how to establish great credit

  • how to fax the credit bureaus for faster credit

  • how to find a bad credit loan uk

  • how to find a credit union

  • how to find a mortgage with bad credit

  • how to find bad credit loans uk

  • how to find canadian credit cards

  • how to find lower interest rates on bad credit loans

  • how to find the best credit cards

  • how to find the perfect bad credit mortgage loan and bad credit mortgage company

  • how to find the right credit card for you

  • how to get 100 financing zero down mortgage loans even with bad credit

  • how to get a bad credit student loan or student loan consolidation to help your college education

  • how to get a credit card no matter how bad your credit rating

  • how to get a credit card with no credit history

  • how to get a great credit card with bad credit

  • how to get a higher credit card limit

  • how to get a low interest credit card

  • how to get a mortgage even if you have a bad credit rating

  • how to get a secured bad credit loan

  • how to get a visa mastercard with no credit check

  • how to get easy loans with bad credit

  • how to get excellent credit cards online today

  • how to get free credit cards

  • how to get out of credit card debt much faster save lots of money without filing for bankruptcy

  • how to get the best rates on your current credit cards

  • how to get triple a credit in 25 days

  • how to get your credit report for free

  • how to handle and avoid credit card debt

  • how to handle small business credit card account

  • how to improve your credit rating overnight

  • how to improve your credit score

  • how to improve your credit score even if you are not a financial expert

  • how to improve your credit score quickly

  • how to make more money extending credit

  • how to make the most of your credit card rewards

  • how to obtain a bad credit home loan or refinance with bad credit

  • how to pay credit card debt off

  • how to pay off your credit card debt

  • how to prevent fraudulent credit card transactions

  • how to read an equifax credit report

  • how to read an experian credit report

  • how to read a transunion credit report

  • how to read your credit report

  • how to reduce or eliminate credit card debt with balance transfer offers

  • how to repair a bad credit rating

  • how to repair your credit report

  • how to report an error on your credit report

  • how to save money on credit cards

  • how to score with credit

  • how to shop for a credit card

  • how to stop getting credit card offers

  • how to stop your creditors cold

  • how to survive in a plastic world qualifying for credit card

  • how to turn bad credit into excellent credit rating

  • how to use a home equity line of credit calculator

  • how to use your credit cards wisely

  • how to use your credit card for ultimate financial advantage

  • how to write a credit policy for your business

  • how web masters can start a home based business using credit cards

  • how your credit rating affects you and how to check it

  • how your credit rating is determined

  • how your credit report affects you

  • how your personal credit affects your chances of getting a business loan

  • identity theft and credit reports

  • identity theft monitor your credit report

  • immediate steps to improving poor credit

  • important questions to ask yourself before you apply for a credit card

  • improve your credit rating yourself tips how to do it

  • improve your credit score

  • increase your sales accept credit cards

  • increase your sales accept credit cards part 2

  • index

  • information about adverse credit homeowner loans

  • information about debt consolidation loans with bad credit

  • information on visa credit cards

  • instant approval credit cards the advantages of applying online

  • introduction to consumer credit

  • introduction to credit cards

  • is a home equity credit line right for you

  • is business credit scoring a killer application or application killer

  • is getting a personal loan with bad credit impossible think again

  • is there an easy way to get a home loan with bad credit

  • is there such a thing as a free credit card

  • is your credit policy working

  • is your website credit card friendly

  • it is in your best interest to do the math on your credit card interest

  • i have a bad credit but i have a co signer with good credit can i still apply

  • keeping track to repair and build credit

  • keep your credit history clean remove a negative credit record from credit report

  • kill off your evil credit cards with a home equity line of credit

  • knocking down the debts with credit repair

  • know exactly what your credit score is before you apply for your financing

  • know how to get the best credit card deal

  • know your credit card rights

  • laws in credit repair

  • lawyers are not always a solution for credit repair and credit building

  • learning accounting debit and credit basics

  • learning more about visa credit card

  • learn about prepaid credit card

  • learn how to fix your credit debt problems before buying your next house

  • learn how to repair a bad credit rating

  • learn the credit card business jargon and stop your debt cold

  • leave home without it how to avoid credit card debt

  • legislators ponder new credit protection laws

  • less interest credit cards paying less is what matters

  • let your business soar with an american express business gold credit card

  • like it or not you have a score to settle part 1 of 2 on credit scoring

  • little known facts about your credit score

  • loans from credit card banks

  • loan options for the bad credit borrower

  • looking for a bad credit home improvement loan

  • looking for that low interest credit card

  • lower credit card debt

  • lower your credit card apr

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  • low apr credit cards

  • low interest credit cards

  • low interest credit cards have many advantages

  • low interest rate credit cards

  • low interest rate credit cards understanding the apr

  • low interest vs cash back credit card questions answered

  • major credit cards

  • make a deal with your creditors

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  • making a credit card work for you

  • making good use of local banks and credit unions for low loan rate bargains

  • making money with credit cards instead of spending money

  • making sense of credit card fees

  • making sense of the information in your credit report

  • making your business credit card work smarter

  • managing credit cards effectively

  • mandatory credit counseling for those considering bankruptcy

  • master the credit card application

  • maximizing credit card rewards

  • maximum return on your credit cards

  • maxing out on the minimum dont get trapped making minimum credit card payments

  • merchant credit card account applications

  • methods to arrange the best credit card deals

  • minimum credit card payments to rise

  • modern credit and the internet

  • moneynet warns credit rating at risk when consumers switch current account

  • monitoring your credit is easy as 1 2 3

  • mortgage and credit card companies under the spotlight on consumer charging

  • mortgage broker loan originators look to capitalize on credit restoration

  • mortgage loans for people with adverse credit how much should you borrow

  • motorcycle loans for military with bad credit

  • myths and truth about credit scoring

  • my credit card application was rejected now what

  • my credit report

  • need a new credit card let the 3 ps be your guide

  • need a personal loan have poor credit see if a payday loan would work for your needs

  • need credit repair help try doing it yourself

  • need extra money refinance or equity line of credit which is right for you

  • need to repair your credit 5 easy steps

  • negotiating rates with your credit card company

  • new business credit card managing cash flow with a business credit card

  • new car loans how you buy a new or used car with poor credit

  • new concepts in credit scoring

  • new credit card balance transfer alert service

  • new credit scoring model could help millions

  • new law provides free annual credit report

  • new mexico income tax help what credits rebates and deductions are available

  • new money as credit

  • new years resolutions save your credit and your marriage

  • no credit car loans car loan approval with no credit history

  • no credit car loans even with no credit history you can still get approved

  • no credit check payday cash advance loan benefits to using a payday loan

  • no credit check payday loans to escape delay through credit checks

  • no credit check personal loans if you need fast cash a payday loan online is a very quick process

  • no fuss credit card application

  • nurse your credit rating with debt counseling

  • obtaining a business loan when your credit rating is poor

  • obtaining a poor credit business loan

  • one solution to bad credit how to beat the credit bureaus at their own game

  • online credit cards how to apply for them and what to look out for

  • online credit card application the easiest way to a customers heart

  • online credit card precautions

  • online credit report

  • online credit report and online credit reports

  • online gambling causing credit card debt

  • on credit card instant approval

  • opting for a credit card check out certain terms

  • options for individuals with bad credit

  • options for the best credit card

  • options to avoid in credit repair and building

  • option trading tips credit spread magic

  • opt out of credit cards offers to protect your privacy

  • ordering the right credit reports to repair your credit

  • paying for business purchases on a charge or credit card can assist in small business management

  • paying off credit cards with minimum payments

  • paying off your credit cards a get out of debt plan

  • pay off your credit card debt quicker

  • perks of citibank credit card

  • personal credit report

  • personal loans for bad credit can discipline repercussions of negative credit

  • personal loans for bad credit credit history sees a decline in loan decisions

  • personal loans for bad credit credit profile sees a decline in loan decisions

  • personal loans for bad credit straightening deformed credit

  • plastic probe by oft welcomed but moneynet warns credit card companies may look to ramp up other charges

  • play the credit card game and win

  • poor credit and no respect

  • poor credit and the need to fix it

  • poor credit car loan get approved online

  • poor credit debt consolidation loans

  • poor credit home equity loan tips

  • poor credit home loan get the mortgage loan you want

  • poor credit home mortgage loans the role of the fico score

  • poor credit mortgage overcoming financial slumber

  • poor credit mortgage refinance refinancing your home after your credit score has dropped

  • poor credit mortgage reigns high among mortgages available to bad credit borrowers

  • poor credit second mortgage loans

  • prepaid credit cards

  • prepaid credit cards online

  • prepaid credit cards ways to help you restore your credit

  • preventative measures for credit card fraud

  • preventing identity theft and credit card fraud how to protect your credit information

  • prevent identity theft by checking your credit report

  • pre paid credit repair builds credit

  • pros and cons of credit cards

  • protecting yourself from credit card fraud

  • protecting your business from credit card fraud

  • protecting your credit

  • protecting your credit during divorce

  • protect your credit

  • proven method for re establishing your credit

  • qualifying for a poor credit business loan

  • questions to ask a credit counseling service about debt relief

  • rate tarts no longer welcomed by mortgage and credit card providers

  • ready set credit

  • read and understand your credit card statement

  • reaping financial rewards bad credit home equity loans

  • reap more save more with the best uk credit card

  • rebuilding better credit

  • rebuilding your credit history

  • rebuilding your credit path to cheaper borrowing

  • recognizing the signs that you might need credit counseling

  • reducing credit card debt

  • refinance your mortgage to rebuild credit

  • refinancing vs line of credit

  • refinancing your home mortgage loan with bad credit

  • repairing bad credit basics

  • repairing credit essentials

  • repairing credit ratings to build credit

  • repairing your credit

  • repairing your credit is as easy as 1 2 3

  • repair credit by observation

  • repair your credit and prevent future credit problems

  • repair your credit build your survival foundation

  • repair your credit like a financial expert

  • repair your credit the right way

  • requesting payment options to repair credit

  • research can help you avoid bad credit

  • restore your credit rating and reduce debts

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  • rewards credit cards and you

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  • safe credit

  • save money by understanding your credit card

  • save on your insurance by improving your credit score

  • save time money and frustration get the right credit score

  • screening out prospective tenants based on credit checks

  • searching for a low interest credit card

  • secured credit cards consumer tips

  • secured loan for people with bad credit history

  • secured vs unsecured credit cards whats the difference

  • selecting a good credit or budget counselor

  • selecting the right credit card

  • settle credit card debt through consolidation

  • settle smart how to do credit card payment

  • should i cancel my unused credit cards

  • should you sign your credit card

  • signature loans a signature can relieve stress of no collateral and bad credit

  • simple credit cards what you should know

  • simple steps for getting out of credit card debt

  • simple steps to improving your credit report

  • six credit card secrets no bank wants you to know

  • small business credit cards

  • small business credit cards reap the rewards

  • small business credit card advantages

  • small business loan with bad credit

  • small business tax credit americans with disabilities act

  • solutions to repairing and building credit

  • some truth about credit

  • sound advice for first time credit card users

  • so you want to get free airline tickets should you get a travel reward or cash back credit card

  • starting out with credit cards

  • steps for finding a thin or no credit motorcycle loan

  • steps to credit repair

  • stoozing can reduce interest paid on credit cards

  • stop thief 10 practical tips to avoid credit card identity theft

  • stop think and listen when repairing credit

  • store cards credit cards and loans how to borrow money effectively

  • store card versus credit card which should you choose

  • student credit cards

  • student credit cards 101

  • student credit cards 101 a students guide to credit

  • student credit cards basic guide

  • student credit repair solutions for building credit

  • successful credit cards for a successful you

  • supercharged secret 1 living in credit card utopia

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  • super balance transfer credit cards

  • supposition and credit repair

  • swipe age what is a credit card machine

  • taking control of your credit history

  • teaching responsible credit card use

  • teaching students to keep out of credit card debt the parents role

  • tear up those snail mail offers apply for a credit card online

  • techniques for building good credit

  • teen credit card basics

  • ten steps to building a good credit history

  • the 10 000 credit card challenge

  • the 7 rules of credit card balance transfer

  • the advantages of accepting credit cards online

  • the advantages of airline credit cards

  • the advantages of consumer credit counseling

  • the advantages of credit cards

  • the advantages of department store and gas station credit cards

  • the advantages of owning student credit cards

  • the bad credit card that may do good

  • the basics of finding a loan for people with bad credit

  • the best credit card promotions

  • the best credit card reward for those who had been naughty and nice

  • the best credit card shopping for a credit card

  • the best strategy to erase credit card debt

  • the best time to repair your credit is now

  • the best ways to boost your credit score

  • the christmas temptation department store credit cards

  • the credit card debt termination scam

  • the credit card disease

  • the credit card offer

  • the credit card surprise that you need to look out for

  • the credit inquiry a wolf in sheeps clothing

  • the credit repair business

  • the credit repair organizations act croa and you

  • the different credit services available to you

  • the downward spiral of credit

  • the easy payday loan why payday loans are easier to get than credit cards or personal loans

  • the effects of multiple credit inquiries on your scores

  • the fair credit reporting act fcra and you

  • the forbidden fruit marketing credit cards online

  • the headless newbie dont burn that credit card

  • the ins and outs of bad credit home loans

  • the ins and outs of credit card debt settlement

  • the key to increasing your customer base accept credit cards

  • the meaning of credit card numbers

  • the menace of credit card debt

  • the online mortgage application is the best option for good bad credit

  • the proper use of credit cards

  • the pros and cons of a business credit card

  • the pros and cons of credit card debt settlement

  • the rewards of student credit cards

  • the right way to credit repair

  • the secret of credit card numbers

  • the tales of the 0 apr credit card

  • the three factors of credit worthiness

  • the top 5 secrets to managing your credit cardsso they wont manage you

  • the true cost of credit

  • the true value of credit rating

  • the truth about 0 apr credit cards

  • the truth about bad credit loan mortgage

  • the truth about credit counselors

  • the truth about low interest credit cards

  • the truth about owning real estate with no money or poor credit

  • the truth about prepaid credit cards

  • things to know about credit cards

  • third world poverty is created by giving aid as credit

  • thoughts on securing a bad credit mortgage

  • three steps to starting your new business with a clean credit score

  • tips for choosing a credit card company

  • tips for credit card debt management

  • tips for credit card surfers

  • tips for finding a motorcycle loan with a better credit score

  • tips for finding the best credit card rates

  • tips for finding the best student credit cards

  • tips for getting your first credit card

  • tips for how to apply for a credit card

  • tips for managing your credit cards

  • tips for using business credit cards

  • tips on finding the best credit card deals

  • tips on how to apply for a credit card

  • tips on how to get higher credit card limit

  • tips to avoid overspending on credit cards

  • tips to repair your credit and prevent credit problems

  • top 10 reasons why you should review your credit report regularly

  • top 5 reasons to check your credit report regularly

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