Thanks to recent financial crises, people have problems with their banks, and high-interest rate. So, if you are having a financial meltdown, but don't want your debt to wipe you off the financial page, what do you do. The first thing is to relax, get your mind together, and follow these tips! Don't Carry Balance This is Holy Grail of money-saving tips. When you … [Read more...]
How Does Credit Card Processing Work?
Although you do not need to know the intimate workings of the bankcard system to find a good credit card processing company, knowing can be helpful. Having a general understanding of how the process of credit card processing works will enable you to realize as many savings as possible. Key players in credit card processing Knowing the key players involved in the … [Read more...]
How To Stack Up Air Miles For A Great Family Vacation
I've been traveling at least once a month for over 10 years due to my job. I have enjoyed a successful career in sales, and I visit retail locations throughout the United States and Central America to meet with branch managers and train new employees. The Problem I Was Dealing With Last year, I started noticing that I was thriving in my career, but my family was suffering. My … [Read more...]
3 Rookie Mistakes People Make With Credit Cards
Credit cards are a gleaming, double edged sword, waiting to be unsheathed and sent into the fray, armed with a burgeoning credit limit and accumulating debt. Those of you who respect your slips of magic plastic understand they require constant care and attention, implementing a steady payment plan and factoring any large, unexpected purchases into interest patterns, … [Read more...]
How Many Credit Cards Should You Have
Hey everyone and thank you for coming to read my first post here on Stumble Forward. Today, I'd like to talk a bit about credit cards. These days, credit cards have become the cornerstone of things we have in common as consumers when it comes to finances. The truth is, the vast majority of us who qualify for these special rectangular pieces of plastic have one or two of them at … [Read more...]
10 Credit Card Secrets They Don’t Want You to Know
Even though credit card companies are required to inform you of your interest rate, payment due date, applicable fees, and a host of other caveats, your contract with an issuer – commonly called a Credit Agreement – is actually a flexible document. This works in your favor in some cases (see #4, #5, and #8 below), but works in the issuer’s in others. These credit card secrets … [Read more...]
What Credit Card Should I Get? How to Compare Your Options
When you are questioning “What credit card should I get?” you may need help sorting through all of the options on the market. It can be difficult to decipher the terms in even “consumer friendly” credit offers, considering how shrouded in legalese credit card terms and conditions usually are. Knowing first and foremost what is important to you in a credit card is the best way … [Read more...]
Living Without Credit Cards – Can You Do It?
Credit cards are so ubiquitous that it’s easy to forget that they are a relatively recent invention. Although the concept of credit is hundreds of years old, the credit card as we know it did not become available until well into the 20th century. The first credit card was believed to be the Charg-It card, which was a local use card introduced in 1946. That paved the way for the … [Read more...]
Are Reward Credit Cards Worth It? How to Tell If You’re Getting a Good Deal
As I mentioned earlier this year, common credit card mistakes can easily erase the benefits offered by any credit card, including rewards cards. So are reward credit cards worth it? The short answer is that they can be, as long as you use the card wisely and choose the card that’s right for your spending habits. The question “Are rewards cards worth it?” is bound to come up … [Read more...]
What Is a Virtual Credit Card? 5 Tips To Use Over The Holidays
The holidays are quickly approaching, and online virtual credit card ads are already cropping up – but what is a virtual credit card? Also called single use credit cards, these cards are temporary credit card numbers typically tied to a credit card that you already own. The reason for using a temporary number is to thwart identity thieves; if a thief attempts to use that … [Read more...]