Have you ever thought about why you are attracted to some people and not others? This has always fascinated me. As far back as grade school and high school I was fortunate enough to find friends that shared my core beliefs and values. Not all of my friends were of the same faith that I [...]

Shop for a Card with Low Rates rather than apply for a Loan Are you looking for a way to consolidate your credit card debt? Or are you thinking of making a big purchase and don’t have enough in your savings to cover the cost of that new car or home theater system? You first [...]

So you’ve gone through the long and terrible process of giving your details, only to find that you got turned down. This can feel a little insulting, like a rejection, especially if you feel like you could easily handle the card in question. So what can you do if it happens? Try, Try Again. Don’t [...]

In an effort to compete with more ‘traditional’ shops, eBay has started to offer finance agreements though PayPal for expensive items. This means that, if the seller decides to offer it, you can now spread the cost of an item into affordable monthly payments. This is good for buyers, good for sellers, and good for [...]

5 Facts about Credit Scoring Are you thinking of buying a house or a new car? If you’re like most people, you’ll probably have to secure a bank loan. When it comes to money lending, most financial institutions strive to live by maxim of ‘only good credit need apply.’ Yes, there are lending institutions that [...]

Credit scoring is a system that helps you to get lower interest rates, more loans and better insurance rates. It is based off of a point value system calculated through certain companies known as credit bureaus to determine what standing you are in. By getting a certain amount of points back, you can be given [...]

Do you have any idea just how common credit cards are? Let’s take a look at a few statistics from the USA. The average family carries a balance of between $5,000 and $8,000 on all their credit cards, depending on which figures you believe. Over $1,000 per family goes on interest every year. And that’s [...]

When you’re dealing with credit cards, you’re playing with fire. Unfortunately, there are plenty of people out there who don’t realise that, and make all sorts of dangerous mistakes with their credit cards every day. Paying Late. If you don’t set up any kind of automatic payment, then it can be tempting to just put [...]

In the age of the internet and busy schedules, more people are finding it more convenient to do their shopping and banking online. Nowadays, people are working longer hours and are too busy with other activities to be able to fit in time to travel to the local shopping center. Instead they can go straight [...]

Credit cards are just so convenient, aren’t they? There’s no need to carry any money with you ever again: you can just take one with you to the shop and pay the exact amount just by handing it over. If you haven’t been paid yet, then you don’t need to worry, because the money will [...]