5 good reasons to get a credit card

If you’re lucky enough to be in a reasonably healthy financial situation you may wonder why you’d even need to use a credit card. However, even the wealthiest individuals make use of them, so there must be some benefits. Here are a few of our favourite reasons to consider them: Improve your credit score Lenders like to see evidence you’re a responsible borrower and a worthwhile risk before giving you access to credit. While you may not need this immediately, it’s always worth having one eye on the future. For example, a good credit score will boost your chances of […]

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Why Consolidating Debt to Chuck the Ball of Personal Credit Card Debt Completely

Introduction According to a recent survey by Bankrate, credit card debt in America equals the amount that most people have in emergency savings. Numerically this means only 55% of people have savings that exceed their credit card debt. According to the same survey, consumer credit has been falling in recent times, but still there are no positive trends when it comes to saving habits.   With the rise in credit card debt, more people are looking for ways to solve their financial problems. Debt relief can be achieved through several means, but in this article, you will learn why debt […]

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Credit Cards for People with Bad Credit

Has anyone ever tried to get one of those credit cards for people with bad credit? I have done this in the past, it usually seems to be much like a regular credit card and I enjoyed using mine for emergency reasons and quickly paid it off. Some people, like myself, received a lot of credit card offers when they hit the ripe old age of 18. Some of those 18 year old adults were able to say no thanks and rip that application right up but I was not one of those. I ended up with three if not […]

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