One of the most important lessons your kids can learn is how to use credit cards responsibly. Credit cards are a big part of finances these days, and your teens need to learn how to use them in a way that benefits them — rather than ending up in debt. And, indeed, financial literacy is [...]
Teach Your Child Responsible Money Habits: Credit Card Education Centre
by Janet Hutchins on November 25, 2011 in Credit Card Tips, Personal Finance
Credit Card Fraud: Watch Out for Small Charges
by Janet Hutchins on November 11, 2011 in Credit Card Tips, Personal Finance
One of the ways that you might be defrauded out of money with your credit card is through small charges. You might overlook a small charge of $1 or $2 on your credit card statement, deciding not to look too closely at the charge. However, it’s important to account for everything you spend, since you [...]
Is a Balance Transfer Worth It?
by Janet Hutchins on October 29, 2011 in Credit Card Tips
Right now, there is a lot of interest in balance transfers. A balance transfer can help you save money on your debt. If you are trying to pay down your debt, a balance transfer might be the best option. A lower interest rate will allow you to make larger payments on your principal, which means [...]
Want More Travel Rewards? Use Your Credit Card
by Janet Hutchins on October 25, 2011 in Credit Card Tips
One of the reasons that many people use credit cards is for the rewards. And this makes sense. You can get a number of perks when you use a credit card that offers a reward program. While you don’t want to run up your credit card just to get the rewards, there are some things [...]
Building Good Credit: It Doesn’t Have to Mean Debt
by Janet Hutchins on September 20, 2011 in Credit Card Tips, Personal Finance
One of the misconceptions that many people have is that building good credit means that you have to get into debt. However, this just isn’t true. It is possible to build a good credit history without selling your financial soul and paying interest. But if you want to do it quickly and thoroughly, you will [...]
Why You Need to Pay Attention to Your Credit
by Janet Hutchins on September 17, 2011 in Credit Card Tips, Personal Finance
One of the most important things you can do for your personal finances is to pay attention to your credit. Indeed, your credit is becoming increasingly important to the way that financial service providers make decisions about you. Plus, keeping an eye on your credit might be even more important in the future — and [...]
3 Tips for Building Business Credit
by Janet Hutchins on September 13, 2011 in Credit Card Tips
If you own a business, it’s important to make sure that your business has credit as well. You want to build up business credit separately from your personal credit. This is important if you want to be able to get bigger business loans down the road for expansion, or for other necessities. Here are 3 [...]
An Expose of the Differences between Credit Cards in Canada and the UK
by Janet Hutchins on September 8, 2011 in Credit Card Tips
No matter if you live in Canada or the United Kingdom (UK), using a credit card may be a big part of your financial life. Did you know that there are many differences between credit cards in Canada and the UK? As you search for the perfect card, it is important to focus on those [...]
5 Things College Students Need to Know About Credit Cards
by Janet Hutchins on August 23, 2011 in Credit Card Tips, Personal Finance
It’s an exciting time! Back to school seems to bring with it a great sense of freedom, especially for college students. Students are heading away from home, living on their own, and starting life. College also represents that time that students are beginning to experience financial individuality — moving away from the financial habits of [...]
Should You Let Your Teen Have a Credit Card?
by Janet Hutchins on July 29, 2011 in Credit Card Tips
Our world has turned so far that many of today’s children will only have a passing acquaintance with paper money. Instead, plastic is the preferred way to pay, and your kids are likely to see you swiping a card, rather than getting out cash. As a result of the shifting trends in payment, it is [...]
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Farhaneh Haque: Excellent read - I find that people are sometimes ...
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Farhaneh Haque: Great piece! Debt reduction is an important finan...
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Janet Hutchins: Here are some resources to help you access your cr...
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Theresa: I think the new money feels weird. but is kinda co...
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Barry TSP: I'd like to know where I can check my credit repor...
