Avoid 7 Destructive Credit Card Mistakes
Playing fast and loose with your credit report can cause you pain in the long run. Use these seven tips to manage credit cards and personal spending wisely.
Archive for the ‘Credit Card Tips’ Category
Federal Credit Card Regulations Will Backfire on Consumers
The Credit CARD Act may restrict lenders’ rate hikes, but consumers will still be hit by new credit card fees.
Ask Chase to Block Over-the-Limit Charges
One of the most annoying things about credit limits is that most card issuers treat them as “soft” limits. They’ll actually let you exceed the limit, and then levy a penalty fee for the privilege of doing so. The good news is that Chase (and possibly others) offer an out.
According to an article that I [...]
Create Your Own 0% Balance Transfer – No Fees and Earn Rewards!
The other day I mentioned the possibility of maxing out your credit card rewards by buying cash from the US Mint. Here’s another use for that strategy: creating your own 0% balance transfer. While it’s getting harder and harder to find 0% balance transfers without a transfer fee, there are still a number of great [...]
Buying Cash to Max Out Your Credit Card Rewards
Remember when I suggested buying $1 coins from the US Mint to max out your credit card rewards? No? Well, I did. At the time, the problem was that they were out of stock. The idea then fell off my radar, but I was recently reminded of it when my son brought home a one [...]
Sovereign Bank Signup Bonus + Credit Card Rewards
For the next ten days, you can get a $100 signup bonus from Sovereign Bank, plus some extra credit card rewards. Simply open your account and fund it with at least $10 by February 27th. You then have to make at least six check card purchases within the first sixty days. That’s it. Fifteen days [...]
What to Do if Your Credit Card or Wallet is Stolen
Here’s a list of five quick tips on what to do if your credit card(s) or wallet get stolen…
Make copies of everything in your wallet, front and back. This is actually a proactive step that you should do right now, before you run into trouble. That way you’ll have a record of what was lost [...]
How to Evaluate Balance Transfer Credit Card Offers
Are you in the market for a balance transfer credit card? If so, there are a number of things that you should ask yourself before selecting an offer. For example…
What’s the introductory rate?
How long does the introductory rate last?
Are there any balance transfer fees?
Does the card have an annual fee?
What happens to the APR after [...]
How to Get 18% Cash Back With the Discover More Card
Last week, I wrote about the $50 Discover card signup bonus as well as their holiday promo offering $20 back for every $200 in purchases. Just like chocolate and peanut butter, these two promos go great together…
Here’s a quick bit of math: Start by applying for the Discover More card. Once you have it, [...]
Surviving the Economic Crisis With Your Credit Intact
As a followup to my earlier article about credit card issuers reducing credit limits, I wanted to highlight some emerging problems in the credit realm, along with some tips for protecting yourself.
Credit Card Issuers Reducing Limits
As I noted previously, card issuers have started reducing their customers’ limits as credit has become tighter. Here’s how [...]
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