Avoiding Credit Card Rewards Devaluation

Credit card rewards are extremely common. Creditors use reward programs to encourage their credit card holders to make purchases using the creditor’s line of credit. Creditors do this in order to make more money; the more purchases consumers make on their credit cards, the more creditors earn through interest. Yet, credit card rewards (despite all …

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Ways to Build Your Emergency Fund

One of the main principles of good financial planning is preparing for the future, and whatever it may bring. With this in mind it is essential that your financial plans include an emergency fund. The idea of an emergency fund is to provide cover if a financial shortfall or emergency crops up. The emergency fund …

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A Step-By-Step Guide to Reduce Credit Card Interest Rates

You may have reached a point where you pay hundreds a month just to cover interest on your debts – and while this can be manageable for some, it can also be a heavy weight on the shoulders of others.  If you happen to be one of the latter – cases where credit interest has …

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Do You Want Help With Credit Card Debt?

Credit Card Debt In the year 2012, America’s credit card debt accumulated to be higher than eight hundred billion dollars. This is the 3rd highest debt category after student and mortgage loans. We would not say that borrowing money is something bad. If you are assiduous in paying your dues off, you can built a …

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Is Your Credit Card Debt Out of Control?

It is very easy to find that your credit card debt has spiralled out of control. Using a credit card can be a great way to build up your credit file and this will have benefits if you need to get a loan but unless you are careful with them and use them wisely you …

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6 Reasons Why Credit Cards Are Still A Good Idea

If you haven’t noticed this, there are numerous new ways to pay for stuff. Just several decades ago, we paid cash for almost everything and credit cards were considered to be a novelty. However, today we rely a lot on plastic because of their security, the rewards they offer and as a short-term loan. Whether …

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