The other day I wrote about how to improve your FICO credit score. I was therefore quite interested when I saw that Jeremy at GenXFinance had compiled a list of 15 tips for improving your credit history and FICO score. Given the importance of your credit score in everyday life, it’s well worth taking good [...]
First we started hearing about arbitrary increases in credit card interest rates, and now this… According to a recent blurb in Money Magazine, however, credit card issuers have recently started reducing credit limits for some borrowers, even those with good credit records.
Factors that put you at risk are making an occasional late payment, living in [...]
Have you ever noticed how hard car rental agencies push their damage waiver while you’re standing at the rental counter? The reason for this is that these policies typically come complete with incredible profit margins. What a lot of people don’t know is that many car insurance companies provide rental coverage, especially if the rental [...]
Here’s another quick hitter…
In case you haven’t heard, the USPS is planning to increase stamp prices. Again. While buying so-called ‘forever’ stamps that are good regardless of the going rate is a great way to save a bit on postage going forward, you can actually do even better by purchasing your stamps at a grocery [...]
This is just a quick tip for those of you that are sick and tired of receiving unsolicited credit card offers in the mail. Did you know that you can easily opt out receiving such offers by visiting OptOutPrescreen.com?
While this won’t actually stop every single credit card offer, it will stop so-called “firm” offers, which [...]
If you’re anything like me, you’re always on the lookout for new ways to use your reward credit cards. Well, here’s an idea…
Why not pay your taxes with a credit card?
I know what you’re thinking… There’s always a surcharge associated with using a credit card to pay your taxes. Right? Right. But in the case [...]
This is an interesting question, and one that I’ve thought about quite a bit in the past…
According to the Wall Street Journal, the IRS hasn’t issued much in the way of public guidance on this matter. The IRS did, however, issue a private letter ruling in 2002 that said certain card rebates are not considered [...]
Here’s an interesting little tidbit about American Express… They won’t increase your credit line more often than once every six months. I found this out the hard way because we recently converted our old AmEx Optima card to a Blue Cash rewards card, and I asked for a credit line increase around that same time.
After [...]
As you probably know by now, you’re entitled to receive one free credit report per year from each of the three major credit bureaus (Experian, Equifax, and TransUnion).
To do this, simply go to annualcreditreport.com to claim your free credit report(s).
But instead of getting them all at once, consider checking just one at a time, and [...]
Did you know that it costs credit card issuers up to $200 to acquire a new customer? That means that you have a good bit of leverage when dealing with them. What with all the advertising, signup bonuses, etc. that it takes to land a new customer, they certainly don’t want to lose your business.
Miss [...]
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