February 17, 2012 – 8:21 am | No Comment

Studies show that over 75% of college students have a credit card, and they can be a great asset for a student. Credit cards are convenient, can help build a good credit history and can help young people learn money management skills.

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Credit Card Debt

How to get out and stay out, as well as other sticky issues like dealing with debt collectors and loan consolidation.

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Budgeting, frugal living, saving, and all kinds of other money and finance related subjects.

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Articles by Jonathan Leane

How to Pull Off A Successful Credit Card Dispute
November 3, 2010 – 7:07 am | 4 Comments
How to Pull Off A Successful Credit Card Dispute

It’s happened to all of us. You buy something in a store, and when you get it home, find out that it just doesn’t work. Maybe you’ve made a purchase online and it arrives damaged …

How Your FICO Score Impacts Your Life
October 28, 2010 – 9:28 am | 7 Comments
How Your FICO Score Impacts Your Life

Your FICO score is more than just a credit score – it can have a big effect on areas of your life that, at first glance, completely unrelated to it. No, it’s not just your …

Control Your Budget – With A Little Help From Your Credit Card
October 6, 2010 – 9:01 pm | One Comment

In the near future, you may no longer be able to blame your debit or credit cards for that gaping hole in your monthly budget. As the New York Times reports, MasterCard and Citigroup have …

Is Overspending Hereditary
September 15, 2010 – 9:59 am | No Comment

The Wall Street Journal recently published an article that discussed the work of Jan-Emmanuel De Neve and James Fowler (London School of Economics and University of California, San Diego, researchers). De Neve and Fowler conducted …

Five Ways to Make Your Credit Work for You
August 20, 2010 – 3:06 am | No Comment

If it always seems like your credit cards have the upper hand, it’s time to take a closer look at making your credit work for you. By taking a few moments out of your day, you …

Smartphone: The New and Improved Credit Card
August 5, 2010 – 9:38 am | No Comment

Waving your phone in front of a cash register in order to pay for an item may seem unimaginable, but phone payments are coming soon to a retail store near you. According to Bloomberg, AT&T, …

Discover® More(SM) Card increases it’s 0% Balance Transfer offer to 12 months
December 8, 2009 – 4:57 pm | No Comment
Discover® More(SM) Card increases it’s 0% Balance Transfer offer to 12 months

At last, a sign that the credit crunch may be on its way out? The Discover® More(SM) Card now has a 0% interest offer on balance transfers for 12 months! There’s also 0% on purchases …

Want to Invest in the SPSE? (Somali Pirate Stock Exchange)
December 2, 2009 – 10:54 pm | No Comment
Want to Invest in the SPSE? (Somali Pirate Stock Exchange)

What with the more conventional investments under-performing over the last couple of years, it may be time to start thinking about putting some of your money towards a few ‘less orthodox’ ventures. This, presumably, is …

Are You Leaving Your Credit Card In Your Wallet This Christmas?
December 1, 2009 – 8:26 pm | 4 Comments
Are You Leaving Your Credit Card In Your Wallet This Christmas?

What with rising interest rates, cancelled accounts, and slashed spending limits, it’s looking like many credit cards won’t see the light of day this Christmas, shunned in favor of the trusty (and ever more popular) …

Getting Your (Actually) Free Credit Report from SmartCredit.com
October 19, 2009 – 4:45 am | 2 Comments
Getting Your (Actually) Free Credit Report from SmartCredit.com

Thanks to a new 5-day Free Trial offer, you can now get a free credit report from SmartCredit.com. In addition to a rundown on your credit history, SmartCredit.com offers you tools for monitoring your …

How to Protect Yourself From Credit Card Skimming
August 24, 2009 – 10:47 am | One Comment
How to Protect Yourself From Credit Card Skimming

identity theft schemes involving credit cards, skimming is one of the most common and hardest to prevent. While the equipment involved with a skimming scheme may be high tech, its execution requires a frustratingly low …

Five “Convenient” Services Offered by Your Credit Card Company That You Should Think Twice Before Accepting
August 20, 2009 – 9:59 am | No Comment
Five “Convenient” Services Offered by Your Credit Card Company That You Should Think Twice Before Accepting

Just as the word “free” has taken on a somewhat fishy connotation (i.e. “comes with tons of junk mail”) in this day and age, so too has the meaning of “convenient” been warped. When …

The Scoop On Balance Transfer or (In)Convenience Checks
August 17, 2009 – 5:34 am | 3 Comments
The Scoop On Balance Transfer or (In)Convenience Checks

If you have a credit card, you’ve most likely gotten them more than once. That handful of blank “convenience checks” included in your monthly statement or sent out as a very special offer just for …

The Lowdown on Store Credit Cards
August 14, 2009 – 8:20 am | No Comment
The Lowdown on Store Credit Cards

“Would you like to save 10% on your purchases today?” This is something I’m sure you’ve heard, probably repeatedly, on any trip to the mall. If you’re always on the lookout for ways to save …