Multiple Government Agencies Are Keeping Records Of Your Credit Card Transactions
Were you under the impression that your credit card transactions are private? If so, I am sorry to burst your bubble. There are actually multiple government agencies that are gathering and storing records of your credit card transactions. And in turn, those government agencies share that information with other government agencies […]
Using Credit Cards as Part of Your Budget
Were so used to hearing about how we need to get rid of credit card debt, and how credit cards are evil, that we often forget that they can be great financial tools. Yes, its important to pay off credit card debt. However, with a little planning, you can incorporate credit cards into […]
Credit Card Skimming Scams Aren’t Going Anywhere
Nationwide, a rather insidious type of identity theft that can affect thousands of consumers without a hint that it’s happening. Unfortunately, the scam is growing more common and problematic. Skimming scams have been discovered in a wide variety of places around the country and can lead to significant issues not only for consumers, […]
5 Times You Need a Credit Card
For decades, economists have been predicting that we would live in a cashless society. And while this may be true someday, many still prefer to use cash as a brute force method of preventing debt. Nevertheless, here are five times when even the most ardent opponents of credit cards will find […]
Credit Cards That Help Fund Retirement
Credit cards can do a variety of things: Buy items, facilitate auto-billing, earning rewards, and more. Some might even call them the Swiss Army Knife of the financial world. But, can credit cards be used to help build a retirement nest egg? The answer is, yes. Read more…
Does Your Credit Score Care What Kind of Credit Card You’re Using?
It’s well known that maintaining a low credit utilization percentage is an important part of a good credit score. What may not be so obvious, though, is that retail card credit utilization tends to play a less-important role in your score than credit card utilization. For this reason, to maximize an […]
Never Pay Credit Card Fees Again
The vast majority of people don’t need to pay any annual fees on their credit cards, and because free credit cards are so competitive now, you rarely need to pay for the privilege of using your card. The only exception is if you spend enough to justify the extra rewards […]