Which Credit Card Debt Should You Pay Off First?

If you have a number of credit cards with balances on them, you might feel overwhelmed by having a large number of monthly payments or a total balance that is higher than you are comfortable with. If you have finally decided that it is time to take action and pay off some of this debt,[…]

Can a Credit Card Improve My Poor Credit Score?

We’ve all been there when it comes to credit cards: your credit limit is expanded by even the smallest margin, and we suddenly assume that we can buy absolutely everything and anything with little to no consequences attached. A few late payments go by that you don’t cover and before you know it, you are[…]

The Benefits of Using William Paid for Rent Payments

No one likes checks anymore.  They’re the least popular kid at the party, the one people keep having to invite but no one likes.  They’re antiquated, inefficient, and don’t earn points.  Why would anyone like them? That’s where William Paid comes in handy, when you need to pay that monthly bill everyone hates- rent.  William[…]

Using ChargeSmart to Pay Your Mortgage and Earn Points

For me, my daily struggle is finding innovative ways to earn more points.  There are many ways out there, simply by putting all of your purchases on a credit card.  But, after you do that, where do you expand?  Where do you go to find those hidden points? For me, that answer lies in rent[…]

5 Steps to Getting Out of Debt

If you are like many Americans, you may be finding yourself over your head in debt. With many losing jobs yet having rising expenses, people are not only becoming more accustomed to living on credit, but also becoming less likely to be able to pay all of their bills. Once you start riding the slippery[…]

What is a FICO Credit Score?

I remember back in college, that no one knew a thing about credit scores.  ‘If you leave 20% on your card each month, you’ll have a higher credit score, because credit card companies like seeing that they are making money off of you.’  Having the gut reaction that this just wasn’t true, I decided to[…]

Citibank Secured Credit Card Review

If you’ve already looked into the Citi Secured MasterCard, you might be a bit confused, since there doesn’t seem to be any mention of it in the Citibank website. Your eyes aren’t fooling you – it isn’t there. In order to get the details on this card, you need to head to a Citibank branch[…]

Paying More than the Minimum

It can be very tempting to use your credit card for all your spending, and then only pay off the minimum every month. It is, as we all know, how the credit companies make money – by you paying interest on your owed balance. So, if you’re only required to pay a certain amount each[…]