July 1, 2021

There are plenty of factors that may sway you towards one credit card versus another.  One may have double cash-back rewards, while the other may rack up airline miles for frequent fliers or have 0% APR for the first 12 months.   Credit card companies make the selling points very clear to draw in customers but the details that come along with each card can be found in the terms...

March 18, 2021

How many times do you find yourself charging your credit card for inventory, or supplies when you know you won’t be able to make the full payment?  Covering costs during a global pandemic as a small business owner has become tricky. You still need to purchase inventory, but deliverables are different, and making up for the loss in revenue has you scrambling to charge your card and worry...

March 4, 2021

Nobody wants to owe money to creditors; everyone wants to be free of debt. Until all the money owed is paid off, the person in debt cannot save as much money or fully utilize their income. Those who are overwhelmed with debt sometimes opt for debt consolidation. What is debt consolidation? Debt consolidation is the process through which an individual takes out one large loan, and using that money,...

February 18, 2021

As a consumer, if you are used to shopping for groceries from a certain store, you may be unwilling to go to another for the same purpose. The reason for this can be summed up in one word – a habit. Once we are accustomed to something, we often don’t want to try anything new. Unfortunately, when it comes to credit cards, this habit of “not wanting to try anything new” can c...

February 11, 2021

If you are going through a temporary financial rough patch, say you’ve lost your job or had a serious accident, it can get difficult to meet your debt obligations. In such a situation, it may be worthwhile for you to talk to your credit card issuer and find out whether they offer any hardship programs. What is a credit card hardship program? With a credit card hardship program, you interact ...

January 28, 2021

Late fees are one of the reasons why we all worry about missing our credit card payment. In this quick read, we’ll tell you exactly what you can expect to lose if you don’t make your payments on time. We’ll also tell you how to avoid such a situation, or at the very least, how to handle it should it arise (and come out of relatively unscathed). When do you incur late fees? The fi...