4 Obscure Ways to Ding Your Credit

Posted April 28, 2016 by cccadmin in

Facepalm

Do you aspire to own a home? Unless you can afford to pay for your home in cash, maintaining a good credit score is key. There are many ways to improve your credit score from paying your bills in full and on time to not exceeding your credit limit on your credit card. There are also plenty of ways to a lower credit score. Let’s take a look at some of the lesser known ways to hurt your credit score.

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The Anatomy of a Balance Transfer

Posted April 27, 2016 by cccadmin in

One of the best ways to save money as you work to pay down debt is to use a credit card balance transfer. A balance transfer can help you put more money toward your debt’s principal, allowing you to pay less in interest. When you aren’t paying interest, your debt is reduced faster.

There are a number of credit cards that offer low balance transfer rates. When you are only paying 1.99% on a credit card balance, more of your payment goes toward the principal, which is an improvement over paying 15.99% – or more – on your debt. With today’s competitive credit card market, finding introductory rates of 0% are commonplace.

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3 Mistakes to Avoid When Applying for a Credit Card

Posted April 25, 2016 by cccadmin in

Man Applying for a Credit Card

Applying for a credit card is easier than ever. You can apply for a credit card online in less than 10 minutes, and often get an approval decision within a minute. If fact it seems we are constantly asked to sign up for a new offer – especially at retail stores.

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Does Contactless Payment Put You at Risk?

Posted April 19, 2016 by cccadmin in

RFID Credit Card Transaction

Imagine walking down the street and having your credit card information remotely stolen without even realizing it. That’s what could happen to you if you have a credit card with radio-frequency identification (RFID). Credit card companies and thieves seem to be caught in an endless game of cat and mouse. Every time there’s an advancement in technology, thieves seem to find a way to exploit it. Should you be worried if you have a credit card with RFID? Let’s take a look.

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5 Ways Credit Cards Make Our Lives Easier

Posted April 19, 2016 by cccadmin in

Visa and MasterCard on Desk

We live busy lives these days. Between work, going to the supermarket and chauffeuring our kids around town, sometimes it can be tough to catch your breath. A lot of people don’t realize it, but credit cards help save us time. From not having to carry a wallet full of cash to consumer protection, credit cards make our lives easier in many ways.

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4 Reasons to Break Up With Your Credit Card

Posted March 29, 2016 by cccadmin in

Breaking Up with Credit Card

Breaking up is hard to do. Credit cards are a lot like relationships. It’s not always easy, but sometimes it makes sense to break up with your credit card. If you haven’t used your credit card in months and it’s collecting dust in your dresser drawer, clearly you’re not the match you once were. Perhaps it’s time to make a change? At one time you may have been the perfect match, but people, and cards, change. You may not be compatible anymore (or you may not have been compatible to begin with). Here are some good reasons to consider breaking up with your credit card.

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