How many credit cards do you have? Would you say you have too many? Just enough? Or are you the type of consumer who prefers to keep it simple with only one credit card? If you’re in that last group you might want to consider adding another card to your wallet. Let’s take a look at why having more than one credit card can be a good thing.

If you can manage multiple credit cards without getting in over your head with credit card debt, here are some of the benefits over using just one. read more..

You’ve probably heard that you need “good credit” to be approved for a credit card. But what if you have a few problems? What if those problems are in the past, but they’re still reflected in your credit file? Does that mean you’re out of luck and unable able to get approved for any credit card? Not exactly.

Tips to Secure a Credit Card with Not-so-Good Credit

If you have some problems in your credit file that you’re worried about but you’re making a serious effort to fix them, here are a few options you have to increase your chances of getting access to a credit card. read more..

Are you in the market for a new credit card? If so, you might opt to use an online credit card application to get a quick response (especially if you compare credit cards online to begin with). Do you know what kind of information you need to have on-hand to fill out one of those online applications?

In most cases credit card companies will tell you what information you need on the first page on their online applications. But we want to save you even more time so you can apply as soon as you find an offer that looks right for you. read more..

There are a lot of credit card offers available at any given time. You often start the credit card comparison process by choosing a type of card — rewards cards, balance transfer cards, or low interest credit cards for example. But once you get into those different groups, is there really a significant difference between most cards?

In many cases, no. You’ll find credit card offers that are remarkably similar (with a few exceptions). Let’s take a look at two similar competing credit card offers in the low interest category, what factors can help you choose between them, and an example of an offer that really does break the mould. read more..

Have you forgotten all about holiday credit card debt already? Yes, it’s only March. And yes, you should be thinking about the holidays around this time of year. Why? You’re at a point now where you can tackle some big issues related to holiday credit card debt — things it may be too late to deal with if you wait until the holidays roll around again.

Here’s why you should take some time to consider holiday debt as autumn approaches. read more..