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Articles in Home | Business & Finance | Debt Management Sort By: Title|Newest|Oldest Credit Card Minimum Payments Create Debt  By : Peter Kenny A credit card minimum payment means that you can spend more and pay as little back as the credit card issuer will allow you. Sounds great in theory but it is a system that will turn out to be your worse nightmare. If you stick to it before long you will find that you have reached your limit, have nothing left to spend and all the while your past purchases are totting up interest charges. These sequence of events make your minimum payments so high, that you can only afford to ... Super Balance Transfer Credit Cards  By : Peter Kenny Credit cards are a great way to spend money that you do not have and we all know that so it is nothing new to us. A credit card is a spending tool that many of us would feel as if we had had a limb cut off if we could no longer have one, would also ring true to a lot of people. Start Making Money There are ways to make money from credit cards, rather than them being a drain on your finances. One such way that many may do not know about is the 0% “Super Balance Transfer”... Credit Repair And Avoiding Court  By : Steven Hall If you ever entered a courtroom, you know that the stress elevates, even if you are in the room for someone else. Courts are an automatic source for lifting stress. Moreover, to avoid the courts means we have to abide by laws and pay our debts. If you have taking out a home mortgage, car loan, personal loan, or any other type of credit loan in some instances when the loans requirements are not meet you can be subpoenaed to court. There are several courts that handle cases... Easy Tips For Your Late Credit Card Payment  By : Elaine Lim There are three reasons that you might have missed a payment on your credit card: either you can’t afford to pay, the payment didn’t get there in time or you just plain forgot. For whatever reason, there’s one thing you need to do, and quickly – get on the phone. Then, apologise like you’ve never apologised before. Don’t panic, stay calm, but make it clear to the customer service representative that you’re very sorry. Say that things like this never happen to you. If you j... Credit Cards: Top 7 Mistakes That Card Holders Make  By : Elaine Lim You need to manage your credit cards wisely. Otherwise, you may end up in financial trouble. Unfortunately, there are many who don’t realise that they may be making huge mistakes with the use of their credit cards. Here are top 7 credit card mistakes that card holders make: 1. Paying Just the Minimum Sum. The minimum sum is just an amount that you must pay back each month to avoid defaulting on the debt. If you pay just the minimum sum, the rest of your outstanding is sub... Pros And Cons Of Credit Cards  By : Elaine Lim Credit cards are very convenient. There’s no need to carry any cash; you can just take a credit card with you to the shop and charge for your shopping. When you shop on the Internet or over the phone, it’s the only good way to make purchases online. This is more convenient than posting a cheque for payment. Like anything convenient, though, having credit cards have its cons. Not Keeping Track of Your Shopping Charges May Land You in Trouble. When you walk into that ... Be Prepared When You Apply For A Credit Card  By : Sintilia Miecevole Getting and having a credit card can be a beneficial thing for most people. You will have a big advantage when you have a credit card. A credit card can be especially useful when you want to purchase items remotely. Think how much easier it is to make purchases online, and reserve plane fare or hotel rooms over the phone when you have a credit card. It can also come in handy when you just don’t happen to have cash when you decide to make a purchase. However, there is a flip s... Credit Repair System  By : Steven Hall The Credit Repair System has tools available that helps many debtors find relief. Credit repair system is the steps to recovering from debts, while getting back on your feet again. If you have bad credit, you already know how difficult it is to reestablish a respect in society. Struggling down many roads, I know you have asked over in your mind, “How can I get out of debt?” The truth is we all have had bad times and some of are able to get back on our feet again quicker than ... Here You're Going To Learn Several Ways To Save Money Every Month By Lowering Your Monthly Bills.  By : Kris Bickell Has debt got you down? If so, you’re not alone. These days getting into debt is easy. Getting out is not. Buying lottery tickets and hoping to “win the big one” is not the answer. No matter how much money you owe, and no matter how tight money gets, remember that life is too short to spend time worrying. Therefore, the real "secret" to getting completely out of debt is actually very simple: Make the commitment, then take action! If all you do is sit back and ... 5 Simple Ways To Lower Your Monthly Bills – And Save Lots Of Money!  By : Kris Bickell Here you're going to learn several ways to save money every month by lowering your monthly bills. There are lots of ways to save money, no matter how much of it you have - or don't have! Having struggled for many years paying my own bills, I learned many ways to save money. From simple things like food, gas, and clothing, to bigger expenses, like insurance and your mortgage. All you need to know is where to look to find the savings. Several Ways To Save Money ... Learn How To Fix Your Credit & Debt Problems – Before Buying Your Next House!  By : Kris Bickell Most people think – mistakenly – that if you have credit problems, you have to wait 7 years for them to go away. Well, that's not always true. Credit repair can help you...once you know how to do it. The time to clean up your credit and pay off your debts is RIGHT NOW, before you start looking for houses and applying for mortgages. Cleaning up your credit and lowering your debt will help you: • get a better interest rate • borrow more money • and save lots of mone... Identity Theft Recovery: The Road Back  By : D Campbell Not too long ago, a friend of mine mentioned that one of his coworkers recently recovered his stolen identity. I asked how long the process took. "Only two years" he replied. Compared to my business partner's six year nightmare "only" maybe appropriate but like most victims of identity theft, he probably thought "when". As in, "when will I get my life back?" Privacy Rights Clearinghouse, a consumer nonprofit organization, reported that victims spend on average 175 hou... Begin Again: The Simple Truth about Getting Debt Free  By : Jesse Niesen The Simple Truth about Getting Debt Free Revealed by a Debt Expert's Personal & Professional Coach… Online Comparison Shopping At Christmas  By : Rachel Lane Credit can often be the first thing we think of at Christmas, whether it’s taking out a personal loan, credit card or simply the extension of an overdraft. However, saving money at Christmas isn’t just a matter of searching for the best personal finance product. This article gives you a few tips on how to make the most of the internet for your Christmas shopping. Tip number one: get your credit sorted first Most of us will borrow money this Christmas – whether that’s th... How To: Avoid Foreclosure  By : Leon Chaddock In order to avoid foreclosure, you need to find the companies and the services that are able to provide you with high quality information. You do not need someone to come in and try to sell you yet another deal. For honest to goodness help in getting out of this debt and mess, you need high quality advice. While it is not easy, you can avoid foreclosure. First of all, make sure that avoiding foreclosure is the right thing for you. If you can not make the payments and you ... Why You Should Use A Prepaid Credit Card?  By : Bob Janeway Prepaid credit cards have been growing in popularity over the past few years. But despite the 'credit card' name, no credit is actually involved. Here’s how it work's. When a standard credit card is used, you pay for the convenience of being able to purchase items without saving the money up first. The issuing bank is basically lending you money , to be repayed on a regular basis. But with a prepaid credit card, there is no line of credit or loan. Instead, the user will m... Debt Settlement & Income Taxes – What You Need To Know  By : Charles Phelan Debt settlement has become a popular approach to resolving problem debts without having to file bankruptcy. With this approach, creditors agree to accept a portion of what you owe (usually around 50% or less) to settle the account, and the remaining balance is forgiven. This technique will certainly continue to grow in popularity now that the new bankruptcy law makes it tougher to fully discharge debts in a Chapter 7 bankruptcy. As with anything, there is no free lunch, a... The First Step to Becoming Debt Free  By : Jesse Niesen Feel like no matter what you do, you're still trapped in the Rat Race? The first step to becoming debt free is the most obvious, and yet, all too often overlooked… Why You May Need Credit Card Debt Consolidation  By : Elaine Lim You find yourself in a situation of mounting credit card debt. You have 5 credit cards in your wallet and have been shopping more than you earn. Initially you had no problems managing your funds but it has started to snowball not too long ago. Your spending has been steadily increasing as you find it hard to curb your shopping habits. From being able to pay the full outstanding balances on your credit cards, you are paying the minimum sum each month. Your salary can barely co... Credit Card Debt Consolidation: Top 3 Factors To Consider  By : Elaine Lim If you’ve got a number of credit cards and insurmountable credit card debt, then perhaps it’s time to consider a debt consolidation loan. A consolidation loan is a loan that you can use to pay off all your debts, meaning that you can pay them off for less money without having to worry about lots of different bills. For instance, if you had borrowed $3000 five years ago, you may now owe $5000 (principle plus interest). A debt consolidation program may involve eliminating s... 7 FAQs When You Apply For A Credit Card  By : Elaine Lim There are so many credit cards out there to choose from that deciding which one to get can feel really daunting. What makes one offer better than the hundreds of others you’ve seen? Here are top 7 FAQs to finding the right credit card: 1. Are You a Student? If you are, then you’ll be better off with a student card. Your application is likely to get accepted without problems. It would be best to contact the bank where you have your student account before you do anythin... Debt Stress, The Really Bad Side  By : Jay Jackson In all the information and discussion about credit card debt there is one thing that gets largely ignored. Stress. Credit card debt is extremely stressful and can have a very negative effect on your life if you let it. It’s very difficult to not feel its effect but you can learn to deal with it more effectively. Stress is as bad as an addiction, always hanging around, bringing you down, making it hard to live your life the way you want to. If you can recognize it you can ... Getting Bad Credit Help  By : Sandy Baker Getting the bad credit help that you need is quite hard. First of all, it is embarrassing and difficult to admit that you need help managing the debt and credit problems that you have. Whether or not you are to blame or whether or not you could do anything about it, really doesn't matter now. Now, what you need is a solid bad credit help. Unfortunately, many people, of all sorts, take advantage of people who are in need of assistance and will only further add to that debt. So... Are You Having Sleepless Nights Because Of Your Finances?  By : Taffy Wagner You’ve worked hard all day and come home at night, only to discover that you can’t get comfortable in your own bed. You toss and you turn for well over three hours. As 3a.m. approaches, you finally go to sleep but the alarm sounds all too quickly at 6 a.m. It’s time for you to go to work. Day two comes and you’re off again to the usual rat race. You repeat the same pattern once you get home. Later that night you lay in bed, thinking how you’re going to pay all of these bills.... Cash Back Credit Card: Earn While You Spend!  By : Ed Vegliante Cash back credit cards are an excellent way to earn money while you spend! Instead of making purchases with standard credit cards, you might want to consider applying for cash back credit cards because such cards reward you with cash back on every purchase you make! Further, in addition to cash back on all of your purchases, cash back credit cards offer you the opportunity to afford additional savings, in ways you might not have imagined possible. Cash Back The obvious... Gas Rewards Credit Cards Save You Money At The Pumps  By : Ed Vegliante Gas prices breaking your budget? Switch to a cash back credit card rewards plan and save 2% to 5% on all your purchases at your favorite gas station. For credit savvy consumers that can make a difference in real dollars and cents. Branded gas company cards can cost you By using a major credit card offered by Visa, Mastercard or American Express for your gasoline purchases you can save a lot of money over a branded gas company card, such as Shell, Amoco, Citgo or Exxon. ... 0% APR Credit Cards: A Tool To Eliminate Debt  By : Ed Vegliante It is interesting to note that what started off as a marketing gimmick has now become an almost permanent part of the credit card industry in America and today 0% APR credit cards can in fact play a significant role in helping a person reduce or get out of debt. What Is A 0% APR Credit Card? APR is the annual interest rate known in industry jargon as the Annual Percentage Rate. It is a reflection of the cost of credit. In the old days everybody paid a standard APR based... Pay It Off And Plan Ahead  By : Taffy Wagner Maybe you’ve looked at your calendar and realized that October is fast approaching. You have set some goals earlier this year in the area of your finances but have not achieved them. Now is the time to make a committed effort to begin paying those bills off and plan ahead. Why? As holiday season approaches, people tend to create more debt than any other time during the year. The idea is not to achieve more debt as the end of the year approaches, but to end the year on a f... How To Use A 'Credit' Card Online Safely.  By : Colin Visser Please use caution when you use a 'credit' card on the internet. There are 'criminal elements' every-where, and online is no exception. I will actually go as far as to say that you should NEVER use a 'credit' card online AT ALL. Hear me out! I have a PayPal account and it can be quite useful for ebay or other places that accept it. To get a PayPal account you need some sort of credit card, right? WRONG! There are two main types of 'plastic card', the first is a 'CREDIT' card ... Can You Get A Credit Card If You Have Bad Credit?  By : Terry Langford Getting a credit card with bad credit is harder than if you have good credit but it is far from impossible. Bad credit is nothing more than a slight hindrance these days. There was a time when bad credit would keep you from getting any form of credit or loans but not anymore. Now you can get many different loans and credit even if you have bad credit. You will be able to get a credit card with ease if you have bad credit, however you will have to pay a higher interest ... Credit Card Charge-Off – What Does It Mean And What Should You Do About It?  By : Charles Phelan Have you been told by a creditor that your debt is about to "charge-off"? Did the bill collector make it sound like you will be ruined financially if you allow this catastrophe to happen? If you're behind on your bills, unable to keep up with payments on your credit cards and other debts, sooner or later you will hear a creditor representative threaten you with the dreaded "charge-off." So what is a charge-off anyway? Should you be worried? What are the consequences of this m... Avoid Payment Holidays When Offered  By : Jay Jackson Once you’ve been paying off a credit card for a while you might be offered a ‘payment holiday.' You’ll get a letter stating that since the company knows it’s difficult for some families around Christmas they’re offering you a month off from paying as a ‘special present.' Why Would They Do That? Offers of payment holidays typically have a very high acceptance rate. People think it’s great that they can take a month off from the stress of paying back debt. What they don’t... Credit Counseling – Can It Get You Into More Trouble?  By : Vishy Dadsetan Do you need credit counseling? Does your heart skip when the phone rings? Are you afraid to open the mail and get another letter from a debt collector? If so, you are not alone. Home Equity: Your Ace In The Hole  By : John Franz Almost 15 years ago, you bought your first home. You’ve been diligent in working and paying on the mortgage, and finally have more equity than mortgage. Ah, the sweet smell of victory, and home ownership. But are you playing the financial investment game as well as you think? Are you missing out on tax savings, funding strategies, or just plain smart money options? How do you check your equity options versus your tax savings options, to comparative shop and make use of your s... Choosing a Debt Management Program  By : Jesse Niesen Looking to become debt free? What you must know about a Debt Management company prior to enrolling... Don't leave your financial future in the hands of a company that does not meet these guidelines... Refinancing Your Home Why You Should And Why You Would.  By : Paul Foley There are many people in today’s society that have, for one reason or another, found themselves in massive financial difficulty. The reasons for this are widespread but typically include credit card debt, loan debt, Car Loans (believe it or not), or mortgage problems. All of these things are debt of one type or another and during our study we have found that there is a typical pattern of events surrounding the persons problems. Read on and see if this sounds familiar: ... Having Trouble Getting A Loan? Ten Common Credit Mistakes  By : James Smith If you are having credit troubles, you are not alone. Many people are denied funding, financing and loans everyday because their credit is poor, bad or nonexistant! Most of these people make the same credit mistakes over and over. These common mistakes and tips can help you improve your credit score and your chances of getting a loan at better interest rates. 1. Check your credit report. It is one of the most common mistakes, but you need to know if what is stated on yo... Credit Cards - Friend Or Foe?  By : Greg Smith At one time or another most all of us apply for and get more credit cards than we need. We feel like we have to be able to purchase almost any type of item at anytime, whether we can really afford it or not. Having several credit cards allows one to buy products and services at will. Is that a good thing or bad? There are many companies offering credit cards and loans online, but all may not fit everyone's needs. A credit card is a great financial tool that needs to be use... Toss Your Credit Card Debt And Add Real Alternatives  By : Jay Jackson Did you get an easy credit card in college? Or, are you someone who got one for the convenience of being able to pay without cash? Not aware of other easy ways to borrow money? Millions of us do this thanks to the unavoidable advertising of the credit card industry. Few people realize just how many alternatives to credit cards there are. There are others ways of using credit without finding yourself swimming in credit card debt. Let’s take a look at a few. Debit Card... Improve Your Credit Rating Yourself - Tips How To Do It  By : James Smith A credit score is a rating system creditors use to help determine whether to give you credit, and how much to charge you for it. If you have ever applied for a credit card, loan, or insurance, then there is a file about you known as your credit report which will include your quality score rating. It is important to check your credit report for accuracy from time to time. This file has information about you and your credit experiences, bill paying history, the number and ty... How Much Is Your Credit Card Really Costing You?  By : Sharon Chennault Most people do not give much thought to how much the use of credit cards really costs. While you may think you are aware of the costs of credit, there are many hidden fees and charges that often go unnoticed by consumers until it is too late. If you do not keep a very close watch on your credit card fees, you could end up paying hundreds of dollars per years without evern realizing it. If you are trying to stay within a budget, hidden credit card fees can be a real drain on y... Got Debt - Consider A Debt Management Company  By : Kevin Erickson You've been working yourself silly for years and yet... you still have no savings and the pile of unpaid bills seems to grow each and every month. You have creditors breathing down your neck - calling and sending you letters so much that you're afraid to answer the phone or pick up your mail... it's a difficult and stressful pill to swallow. Sound familiar? Unfortunately, many people who are saddled with debt seem to be under the delusion that everything will eventually go... Learn The Credit Card Business Jargon And Stop Your Debt Cold  By : Jay Jackson Credit card companies, as part of the financial industry, use a massive array of jargon. If you understand the terms you can stay on top of your credit card debt. While you can't be expected to recognize all the technical terms, some of them are quite important so here is a quick guide, in alphabetical order. Affinity card This is a credit card that gives a certain amount to a charity of your choice, depending on how much you spend. It is generally best to avoid any chari... Choosing The Right Credit Card  By : Mike Collins They come day after day after day. Sometimes two, three, or four at a time. Credit card offers. The credit card industry is highly competitive and banks and other financial institutions are constantly sending out mass mailings in an attempt to lure potential customers to switch credit card providers. And while it is generally not advisable to regularly open new credit accounts, there are times when doing so can be advantageous. But how do you compare all of the credit card... The Human Side: Debt Stress  By : Angie Noack In all the technical discussion you hear about credit card debt, the best ways to manage it and pay it off and all the rest, one thing goes largely ignored. Credit card debt is extremely stressful, and can have a very negative effect on your life, if you let it. It’s as bad as an addiction, always hanging over you, bringing you down, making it hard to life your life the way you want to. In this article, we’ll take a look at how you can recognise debt stress, and what you can ... The $10,000 Credit Card Challenge  By : Joel Walsh Thinking about conquering your mountain of debt but too scared even to give your debt much thought? Read this real-world scenario of how one person erased $10,000 of credit card debt within a few years. Ever wonder how some people deep in credit card debt manage to come out on top financially? This is the hypothetical but realistic story of Emily, one person who dug herself out of $10,000 in credit card debt in just a few years. Never a big spender, Emily was shocked ... Debt Consolidation Loan - Financial Savior?  By : Kevin Erickson It's the day you've been waiting for the last two weeks... payday and the only time when your face lights up and you actually go to the office with a lot of wonderful, dreamy thoughts in your head - such as how fast you'll be able to bolt out of the office and get yourself down the to nearest mall and you can already smell the Caffè Verona® you plan on ordering at Starbucks. Either way, you seem compelled to impulsively spend all of that hard-earned cash on something that in ... Debt Management Plans - Tips For Avoiding DMP Pitfalls  By : Greg Smith Most people are involved in some type of financial transaction or decision every day. Sometimes they can get way behind in their debts and financial obligations with no clear way to pay them off. Some resort to debt management plans, which can help if you are careful in setting up the plan. Do you know how to avoid the pitfalls? Credit and debt issues are critical life altering realities for almost everyone. The daily decisions we make in handling the balance between the t... The Pros And Cons Of Credit Card Debt Settlement  By : Kevin Erickson Are you a self-confessed shopaholic who buys anything and everything that you get your shopping addicted hands on? Such thoughtless and impulsive buying will most likely result in the accumulation of a bunch of junk that will simply collect dust. Can you even remember that silk scarf you just had to have and since it was a virtual steal at 50% off you just had to buy it? Where is it now and how many times have you actually worn it? Is it still fashionable? If you're like m... 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