4 Signs You’re in Real Financial Trouble

Managing Debt

4 Signs You’re in Real Financial Trouble

4 Signs You’re in Real Financial Trouble

Sometimes it’s not so easy to tell how bad things are until you are in real trouble. When it comes to your personal finances, there are some telltale signs it’s time to take action. The sooner you take action, the less likely you’ll encounter long-term damage down the road. But the first step is identifying… Read More

The Most Debt-Free States in America

Managing Debt

The Most Debt-Free States in America

The Most Debt-Free States in America

Credit card spending typically spikes in the fourth quarter, and 2013 was no different, but it seems Americans were a little more conservative with their credit card spending than they were at the end of 2012. The average balance per cardholder declined in nearly every state, according to fourth-quarter data from the past two years…. Read More

What Exactly Is Credit Card Debt?

Managing Debt

What Exactly Is Credit Card Debt?

What Exactly Is Credit Card Debt?

About 56% of American adults say they have credit card debt, according to a recent survey by Credit.com — but do they, really? What does it mean to be in credit card debt? It sounds straightforward, but people define credit card debt differently, as was indicated by responses to the Americans and Credit Card Debt… Read More

Credit Card Debt Grows Among Those With Poor Credit

Credit Cards

Credit Card Debt Grows Among Those With Poor Credit

Credit Card Debt Grows Among Those With Poor Credit

Consumers with low credit scores account for an increasingly large chunk of the nation’s credit card debt, with subprime borrowers carrying more than three times the average credit card debt held by consumers with excellent credit scores. In the third quarter of 2013, the typical consumer had a credit card debt load of $4,061, according… Read More

Help! I Just Got My Holiday Credit Card Bill

Managing Debt

Help! I Just Got My Holiday Credit Card Bill

Help! I Just Got My Holiday Credit Card Bill

Billing cycles, like the weeks leading up to Tax Day and a student loan grace period, come to an end, and then it’s time to pay up. Holiday shoppers are experiencing this depressing reality firsthand as they receive the bills tallying up December’s spending. Even the most budget-conscious consumers can go overboard when it comes… Read More

What It’s Like to Owe $20K in Credit Card Debt

Managing Debt

What It’s Like to Owe $20K in Credit Card Debt

What It’s Like to Owe $20K in Credit Card Debt

Living with $20,000 in credit card debt probably isn’t in most people’s financial plans, nor does it sound particularly enjoyable. But for many Americans, a debt load like that or even larger is an everyday reality, and chipping away at a high balance can be an overwhelming task. The first and sometimes hardest step is… Read More

11 Signs You Have Too Much Credit Card Debt

Managing Debt

11 Signs You Have Too Much Credit Card Debt

11 Signs You Have Too Much Credit Card Debt

Credit cards can seem like lifesavers when you want or need to make a large purchase. It’s so easy; it’s like buying something on someone else’s dime. That is until you overextend yourself and realize that what you will ultimately spend goes way beyond the initial purchase price. And credit card issuers are quite skilled in luring… Read More

Who Will Be Debt-Free in 2014?

Managing Debt

Who Will Be Debt-Free in 2014?

Who Will Be Debt-Free in 2014?

Is 2014 the year you plan to start tackling your credit card debt? If so, you’re not alone. Most Americans with credit card debt are serious about paying it off, and most plan to tackle it in 2014, according to a new survey by Credit.com – Americans and Credit Card Debt. The 2014 Americans and Credit… Read More

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