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What is a credit card hardship program and its benefits?
Updated on: 29th May, 2020

Financial problems can shake even the best money managers in the world. A sudden job loss or a big expense can make them defaulters. A few missed credit card payments can lead to additional interest rates, late fees, and ultimately a massive headache. Fortunately, there is one good option, and that...

Can credit card companies seize my house, if I default?
Updated on: 18th Feb, 2020

Credit card debt is mostly unsecured, unless it is a prepaid credit card, or has any asset as a backing.But, a credit card coming with a backed up security or asset, is a ‘one in a million’ chance of occuring. Yet, this shouldn’t make you ignore the fact, that a creditor can take away your hom...

Fair Credit Billing Act (FCBA): Things consumers should know
Updated on: 26th Dec, 2019

What if you are charged for an item or a service by mistake? Or what if you have been overcharged for an item on your credit card?Does this mean, you can’t get back your money? Is there any scope to dispute these kinds of incorrect charges?Calm down! Yes, there is the Fair Credit Billing Act (FCBA...

How to rebuild credit when your debts went to collections a year back
Updated on: 29th Aug, 2019

“90% of my accounts went to collections a year back and my credit score dropped to 545.” Amanda said it with a big frown on her forehead while sipping her favorite coffee at Starbucks last week. An event manager by profession, Amanda hardly has any time to take care of her personal or financia...

Why did my credit score drop after paying down debt?
Updated on: 13th Dec, 2018

Recently, someone told me his credit score dropped after paying down debt. She was angry, dejected, worried, and frustrated. Her frustration is normal and justified. In fact, this is one of the top questions asked in forums every day. So I wanted to write a detailed post to give people a good link t...

Fraud alert! Black friday can make you a victim of identity theft!
Updated on: 8th Nov, 2018

It’s just about time for all of us to jump into the Black Friday shopping festival. People will get all busy with their credit cards, debit cards, stacked up savings, and so on. Some might shout out that Walmart’s throwing up the best deal, while the others might argue that this year Target...

When can a second credit card turn out to be good for you?
Updated on: 19th Aug, 2018

It is important to have not only a credit card, rather credit cards these days!The simple fact is, you miss out on great opportunities in life if you don’t use credit cards.So where is the big deal, you ask? You should be wise in managing your credit cards. Don't get lost and drained in paying off...

Are you the latest victim of identity theft? How can you be sure?
Updated on: 14th Aug, 2018

According to the consumer watchdog FTC, every year over 9 million people have had their identity stolen. If you’re not careful, an identity thief can use your personal information for running up charges on your credit cards or draining your bank account. What is identity theft? Identit...

How does credit card consolidation affect credit score?
Updated on: 19th Jun, 2018

“Your credit score isn’t an indication you have money. It’s an indication you have debt" - Dave RamseyCredit card debt consolidation gives a new financial life to a nation grappling with $15,983 credit card debt. It helps consumers to pay back their creditors and boost nation’s economy. But ...

Do you have the best card? Know which credit card you should get!
Updated on: 7th Jun, 2018

Your credit card is a very important tool! If used wisely, it will surely save you in your times of financial emergency and crisis.But many of us are not happy with our credit cards. Some find it a menace, while some call it a burden, and they just want to get rid of it!Are you one of those who don...

Last Updated on: 16 Apr 2018