The Golden Rules of a Balance-Transfer Credit Card

Credit Cards

The Golden Rules of a Balance-Transfer Credit Card

The Golden Rules of a Balance-Transfer Credit Card

If you’re saddled with debt and looking for ways to pay it off, a balance-transfer credit card may be able to help. These useful pieces of plastic, which typically grant cardholders a promotional period of interest-fee financing for up to 15 months, are designed with people like you in mind: those who want to get out of debt.... Read More

Who Is Responsible for My Debt When I Die?

Managing Debt

Who Is Responsible for My Debt When I Die?

Who Is Responsible for My Debt When I Die?

Debt is persistent. In many cases, not even death can erase it, and you can rest assured your creditors will attempt to collect what you owe when you pass away. You may be worried that, upon your death, your outstanding debt could negatively affect your loved ones. The parties responsible for your debt depend on... Read More

Is Your Credit Card Ready for the Holidays?

Credit Cards

Is Your Credit Card Ready for the Holidays?

Is Your Credit Card Ready for the Holidays?

Ah, September. That magical time of year when boots and open-toed shoes intermingle, mornings get crisper, people start lining up for those infernal pumpkin spice lattes and some retailers start hauling out their holiday cheer. It seems every year, some store somewhere feels the need to make the holiday shopping season just a tad bit longer. In fact, I wouldn’t... Read More

5 Major Money Mistakes You Might Be Making

Personal Finance

5 Major Money Mistakes You Might Be Making

5 Major Money Mistakes You Might Be Making

There are a few best practices that financial professionals recommend consumers follow — no matter their income or economic level — that can help build solid credit and a healthy financial profile from youth to retirement. But for many Americans, these aren’t easy habits to make for any number of reasons including income level, expenses,... Read More

Wait a Minute — Americans Are Saving More Money?

Personal Finance

Wait a Minute — Americans Are Saving More Money?

Wait a Minute — Americans Are Saving More Money?

Americans are saving, earning more and spending more money according to July data released Monday by the Bureau of Economic Analysis. The personal savings rate as a percentage of disposable income was 5.7%. Personal income rose 0.4% in July, and personal spending increased almost as much — 0.3% — much of which was spent on new cars and... Read More

College Students Are Actually Pretty Good With Credit Cards

Students

College Students Are Actually Pretty Good With Credit Cards

College Students Are Actually Pretty Good With Credit Cards

When people think of credit cards and college students, they don’t often conjure up an image of a responsible young adult, either because of stereotypes they’ve been exposed to or their own negative experiences. In reality, college students generally do a decent job managing their credit cards — at least, that’s what one survey suggests.... Read More

6 Creative Ways to Pay Off Debt

Managing Debt

6 Creative Ways to Pay Off Debt

6 Creative Ways to Pay Off Debt

Debt is an essential part of credit health. When used correctly, it can improve your credit scores and lead to positive things like better consumer offers, interest rates and more. When used poorly, it will accomplish the opposite. Debt utilization — how much debt you have in relation to your combined credit limit — represents 30%... Read More

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