Credit Card Tips, Etc.
Top-notch credit card tips and advice to help you save money!

• Is The State of the Economy Affecting Your Credit Card Debt?
  

  Why You Need to Look At Your Credit Card Debt Now, More Than Ever

  It's no secret to our readers that I talk about credit card debt quite a lot. After all, there are two ways to handle your credit cards - the right way and the wrong way. If you're credit card debt is piling up, you're handling them the wrong way and I'd feel remiss if I didn't say something about it. However, more and more credit card holders are finding themselves deeper into credit card debt than ever before. If your debt has been on the rise, here are some things you need to know.

• While Some Interest Rates Go Down, Credit Card Rates Go Up
  

  Why Are Credit Card Rates Taking a Hike?

  We've enjoyed lowering interest rates lately. Want to buy a house? The low interest currently offered by mortgage companies can save you thousands. Need a car? Even those rates seem to be going down. Why then, as other rates go down, are credit card rates going up?

• Can You Negotiate Your Own Credit Card Debt Settlement?
  

  What You Need to Know About Credit Card Debt Settlement Agreements

  There are companies all over the country who promise they can get you a great credit card debt settlement, reducing your debt by as much as 50 percent with little to no effort or money. Unfortunately, they're offering little more than pie-in-the-sky stories that aren't likely to work out. If you really want to settle your credit card debt, here are some things to keep in mind.

• It's More Than Just a Credit Card Statement
  

  Why You Need To Pay Your Credit Card Statement On Time

  If you have a credit card you know you get a credit card statement each and every month like clockwork. The question is, do you pay that statement on time, every time? If the answer is no, that late payment could be costing you a lot more than the fee charged by your credit card company. Here are some more reasons why you need to pay your credit card statement on time.
  

• What Tax Season Can Do For Credit Card Debt
  

  Can You Kiss Some Of Your Credit Card Debt Goodbye?

  Tax season is upon us and that means many people will have the opportunity to erase some of their credit card debt. How, you ask? What could taxes and credit card debt possibly have in common? The answer, while not exactly "thrilling" is rather straightforward.

• Credit Cards Are Playing Dirty Again
  

  Can Paying Your Credit Cards In Full Each Month Hurt Your Credit?

  You are a wise consumer who manages your credit cards responsibly. Each month the bills come in and each month they're paid in full. One day you get a notice from your credit card company that your account is being cancelled regardless of your perfect payment history and your superior credit rating. Think it can't happen? Guess again.

• Are Your Credit Cards Safe with PayPal?
  

  Some Peace of Mind for PayPal Users

  It's every PayPal user's worst nightmare - someone hacks into your PayPal account spending thousands of dollars on your credit cards and you're left to foot the bill. Not only is this scenario highly unlikely, it's almost impossible. If you've been afraid to use PayPal because you think your credit card information will be at risk, here are some things to consider.

• Should You Put that Valentine's Day Gift on Your Credit Card?
  

  Valentine's Day Spending vs. Credit Card Wisdom

  In our culture it seems that we want bigger and better, regardless of price, and that can be seen in our Valentine's Day spending habits. We always have to outdo ourselves (or the Jones), but at what cost? If you're putting your Valentine's Day gifts on a credit card and not paying cash, here are some things you need to ask yourself.
  

• Credit History Tips for Those Moving Abroad
  

  You Can't Always Take Your Credit History With You

  If you're moving abroad your credit history probably isn't something you're thinking about right now. There's so much planning to do, it might very well be the last thing on your mind. If that's the case, you might want to stop for a moment. You can have perfect credit here in the United States, but once you go overseas you may be back to square one. You need to prepare.

• Should You Take Your Income Tax Return as a Prepaid Credit Card?
  

  Some Tax Prep Companies Offer a Prepaid Credit Card For Your Rapid Refund Loan

  Some tax preparation services such as H&R Block are offering a rapid refund loan in the form of a prepaid credit card. Are these loans a great way to get your hands on the prepaid credit card you need, or do they cost more than they're worth? Before you say yes to any rapid refund product, there are some things you need to know.

• New Year's Credit Card Resolutions
  

  It's Time to Get Control Of Your Credit Card Situation

  If you're like millions of consumers, you may be inundated by credit card debt. With the fresh start of a new year, it's time to get that debt under control. If your New Year's resolution was to get a handle on that debt, here are some ways to keep that resolution in check.

• Is Someone Finally Going to Put Credit Card Companies In Their Place
  

  Changes to Regulation Z May Take the Credit Card World By Storm

  I've said it once and I'll say it again -- someone's got to do something about the way the credit card industry currently works. It looks like upcoming changes to Regulation Z may do just that. But what is Regulation Z and how is it going to put a stop to harmful credit card practices? Read on...

• When Your Credit Card Debt is More Than You Can Handle
  

  A Light at the End of the Credit Card Debt Tunnel

  If you're way in over your head when it comes to credit card debt, it may seem like your future is bleak (if you see a future at all). No one can understand the despair of choking on the debt of credit cards unless you've been there yourself. When you're in the middle of the muddied waters, finding a way out may seem impossible. If this sounds like you, there are indeed solutions to your credit card woes. Here are some you might not have considered.

• How Exactly Does That Credit Card In Your Wallet Work?
  

  A Deeper Look Into What Makes Your Credit Card Tick

  Most of us take it for granted... We want something, we whip out our credit card and -- abracadabra -- the transaction is magically processed by the credit card fairies and the item is ours. However, in real life there aren't credit card fairies magically transporting your credit card information back and forth. In real life, the process is a bit more complex. Wondering just how complex? Read on!
  

• What You Need To Know About The Credit Card Safety Star Act of 2007
  

  What Does the Credit Card Safety Star Act Mean To You?

  There's much hullabaloo about the Credit Card Safety Act of 2007. But what do stars and safety have to do with your credit card debt? Believe it or not, someone might start holding the credit card companies accountable for their actions and the Credit Card Safety Star Act of 2007 is one of the ways that's going to happen. If you want to know what this Act is and what it means to you, we've got the answers...