Credit card companies are a business and, like other businesses, they exist to make money. Their money-making tactics aren’t always the most straightforward. Universal default, for example, allows ... Read More

The Credit Card Minimum Payment Warning Act, which aims to accomplish exactly what the name suggests, has been in the works for a few years. It recently gained the ... Read More

High interest rates make carrying a balance on your credit card extremely expensive. But, you have the power to get your interest rate reduced. It's as easy as ... Read More

For some people, graduate school is a way to increase earning potential. For others, it's a bridge between career changes. I’m sure there are countless reasons that people ... Read More

Any time a debt collector calls is an inopportune time. The good news is, you have the right to stop these calls. All you have to do is ... Read More

Thirty percent of your credit score compares your total amount of credit to your level of debt. This is your credit utilization or credit-to-debt (CTD) ratio. Since lower ... Read More

Although I haven't seen the documentary, the comments in this article from The Shreveport Times make me want to stay far, far away from credit card limits. It reminds ... Read More

Most banks already allow customers to make basic transactions over the phone. Banking might be getting a little easier than that. One of the nation’s largest banks, Citibank, ... Read More

Most college students have been exposed to the "free t-shirt" tactic used by credit card companies as an enticement to get more credit card applications filled out. Some have ... Read More

As if car dealers didn't already have enough secrets, here's another to add to the ever-growing list. If you're a savvy auto loan shopper, you check your credit score ... Read More

Getting out of debt is no easy task. It requires both discipline and action. The crucial part of paying off your debt is making a plan. It ... Read More