January 6, 2012 – 8:30 am | One Comment

Your best defence against making credit card mistakes is knowledge, and understanding some of the most common myths and misconceptions about credit cards can help you know what you need to manage the plastic in your wallet.

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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.

Credit Cards

Reviews, Tips & Tricks, and everything else you need to know about getting the most out your credit cards.

Personal Finance

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

Credit Report

Learn how to repair and improve your credit score. Learn about Beacon and Fico scores, and much more!

Debit Cards

Don’t like the idea of spending money you don’t have? Get the scoop on bank and prepaid debit cards.

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Articles by Jonathan Leane

A Step-By-Step Guide to Getting Your (Actually) Free Credit Report without Accidentally Signing Up For Extras: Part Two – Experian
August 13, 2009 – 6:09 am | No Comment

In part two of our series, we’ll be showing you how to pull your credit report from Experian without accidentally signing up for any subscriptions (check out Part one – Transunion). That is, we’ll be …

Beware The Curse of The Cosigner
August 5, 2009 – 2:12 am | One Comment
Beware The Curse of The Cosigner

If you’re diligent about paying your bills and keeping your credit score high, the time may come that someone may ask you to cosign for a credit card. This will become even more likely once …

A Step-By-Step Guide to Getting Your (Actually) Free Credit Report without Accidentally Signing Up For Extras: Part One – TransUnion
July 27, 2009 – 4:54 am | 5 Comments

Those songs from a certain misleading ad campaign sure are catchy – and I don’t just mean that their melodies are hooky and infectious. The main catch from this supposed freebie website  (which shall …

Why You Should Think Twice Before You Cancel a Credit Card
July 25, 2009 – 8:23 am | 2 Comments
Why You Should Think Twice Before You Cancel a Credit Card

Canceling a credit card may seem like the best option, especially if you don’t use it very often- but doing so can lower your credit score. Here are six reasons why you might want to …

What to Expect If You Declare Yourself Bankrupt
July 24, 2009 – 3:19 am | 3 Comments
What to Expect If You Declare Yourself Bankrupt

If you’ve made the difficult decision to declare yourself bankrupt, you’re probably breathing a big sigh of relief at having the weight lifted off your shoulders. Once this passes though, you’ll probably be wondering what …

Soft Pull vs. Hard Pull: Which is What and Who’s Responsible?
July 23, 2009 – 9:16 am | 2 Comments
Soft Pull vs. Hard Pull: Which is What and Who’s Responsible?

The precise formula that credit reporting agencies use to determine your credit score is as elusive as Google’s PageRank algorithm. But there are some things we consumers understand well about the factors that go into …

6 Reasons Why Keeping Money In The Bank Isn’t As Safe As It Used To Be
July 22, 2009 – 8:35 am | 3 Comments
6 Reasons Why Keeping Money In The Bank Isn’t As Safe As It Used To Be

Are you wary of keeping your money in the bank these days? If so, you’re probably not alone, and there may be good reason for this. Here are six reasons why keeping your money in …

42 Ways I’m going to make my 2009 Awesome…
July 22, 2009 – 4:35 am | 24 Comments
42 Ways I’m going to make my 2009 Awesome…

Last year I made a bunch of New Year’s resolutions and by the end of January I had broken pretty much every single one of them. And you know what? 2008 wasn’t half bad. Even …

Credit Card Review: Discover® More(SM) Card
July 19, 2009 – 4:08 am | One Comment
Credit Card Review: Discover® More(SM) Card

This week we review the Discover® More(SM) Card.
Apply for the Discover® More(SM) Card now.
What we like about it…

0% interest rate on balance transfers for 6 months. If you use it properly, this time will give you …

Why You Should Develop a Healthy Obsession With Your Credit Rating
July 17, 2009 – 8:18 am | One Comment

It pays to keep close tabs on your credit rating as it has a big impact on other areas of your life. Here are 7 reasons why you should make sure that you are fully …

Credit Card Reward Programs: How To Make The Most Of Them
July 16, 2009 – 9:14 am | One Comment

Being rewarded for using a credit card sounds like a dream come true, but you have to be savvy to avoid being taken for a ride by the credit card companies.
How They Work
These …

7 Reasons Why Sticking To the Minimum Payment Is a Dumb Idea
July 14, 2009 – 9:23 am | 3 Comments

When your credit card bills lands on your doormat, it is tempting to simply glance at the minimum payment figure and not give a second thought to the total balance that is actually due. While …

Your FICA Score: What you need to know
July 12, 2009 – 7:31 am | No Comment

If you’ve ever applied and been turned down for a credit card or loan, there’s a good chance it may be because of your credit score. Understanding what a credit score is and how your …

The Lenders Strike Back: How Credit Card Companies Are Responding to Obama’s Big Changes
July 11, 2009 – 8:18 am | 4 Comments

Tighter regulations on consumer disclosures? Protection of young consumers? New rules for so-called “promotional” interest rates? A ban on universal default and double-cycle billing? Did you think that credit card companies would take this lying …