Articles by Kristy
I've been in the banking industry for over 5 years and in that time I've come to learn a lot about what it takes to manage my own debt and help others with theirs. I've seen both sides of the spectrum in that I've worked for large, national banks and I currently work for a small credit union. There's a WORLD of difference between the two and each one has a specific purpose. Even still, I tend to favor my credit union.
What if you could take the average 7-10 cards that you carry around in your wallet and put them all on one card?
What? How is that possible?
The idea isn’t new by any means and it’s …
That’s right! It’s not a typo.
The Federal Reserve Board put in a proposal on Monday that would prevent credit card companies from increasing consumer rates on existing debt for ANY reason other than default. This …
A couple of weeks ago I talked about mandatory binding arbitration and the fact that this little-known clause was, in essence, a rewrite of consumer rights. Well, I’m happy to report there may be some …
If you’ve ever taken a look at your disclosures from when you opened your account, you may be surprised to know that banking can very often come with some fees. Just like the credit card …
If we had discussed this topic several years ago, I would have said that many people were concerned about having multiple cards because they were afraid of falling behind on their payments or would feel …
I was poking around on the IRS website the other day and saw that the use of credit and debit cards to pay taxes was up to 54% last year and that number was expected …
It’s never a fun position to be in, but sometimes many people find they are so past due on their credit card debt that the only solution seems to be bankruptcy. That should be a …
You know the economy is doing poorly if the government is handing out free money. But, will that free money help the economy, as the government hopes, or will it be more of the same? …
Reading a credit card statement is tedious enough without adding the extra pressure of understanding the language. However, if you don’t want to put yourself in a big heap of debt – or in frustration …
In light of the new consumer bill of rights floating around Congress as of yesterday, I thought it would be a good idea to talk about some of the more sneaky practices credit card companies …
All I can say is it’s about time!
In case you haven’t heard, there’s a new movement underway in Washington this morning. Rep. Carolyn Maloney, D-N.Y. has become increasingly concerned about Americans being weighed down with …
In a previous post I talked about the top 10 reasons to pay down your debt. I’ve also talked about the best (and cheapest) way to do that. However, it occurred to me that perhaps …