Posts Tagged ‘credit cards’

Do Charge Card Accounts Do More Harm Or Good For Consumers

We all know, credit cards are blamed for a lot of bad. But, if charge card accounts were so bad and had no positive reason to be, why would they be on the market? As the owner of a credit card blog, an Americans advocate and personal debt consultant, I am often asked, "Are charge cards good or bad?". And the answer is well, neither. In short, charge card accounts are simply financial tools and when used in that way, they provide great benefit to people. However, when people use credit cards in ways for which they where not intended, charge card accounts can do some real damage. Let me explain... Read the rest of this entry »

Quite A Bit Of Facts To Assist Consumers With Understanding Charge Card Account Annual Percentage Rates

It should come as no surprise that charge card accounts have become an extremely important factor to the financial stability of several people. The interest rates charged on charge cards should also come as no surprise to people. However, through my years of being a personal financial consultant, I have found that quite a few people are simply unaware of the different APRs that they may be charged as a result of using their charge card accounts. With that said, here is a list of the different kinds of annual percentage rates that people may be charged in conjunction with charge card accounts and which balances these annual percentage rates may be charged to. Read the rest of this entry »

Quite A Bit Of Tips Students Should Know With RegardsTo Charge Cards

Many young children are growing up to be adult consumers and wondering, is it time for a credit card? Well, before making these decisions it is very important that these young people know a little bit about credit card accounts. Things like what they are made for, what can get them in trouble and how to decide if they are ready for their first credit cards are all things that these young people should learn. Here is a list of what I feel are the most important facts young consumers should know about charge cards! Read the rest of this entry »

How To Build Their Credit Scores

Getting a loan decades ago was a very simple process. All Americans had to do was walk into the bank and ask for one with a smile after a good firm handshake and introduction. However, these days, getting decent loan takes a bit more. If people want a mortgage, auto loan or even a charge card with a good annual percentage rate and great terms, they will need to have great FICO scores. Here are the tips people should think about when building credit scores: Read the rest of this entry »

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