How would you like a free credit card? You would get access to increased spending power and the convenience and security of using a card, but you wouldn’t have to worry about fees and interest. Sound too good to be true? That’s because it technically is.

Let’s take a look as what we really mean by “free” credit cards, why credit card companies aren’t likely to offer them, and how you can bypass those credit card companies and get an essentially free card anyway. read more..

Do you sometimes feel like you’re so deep in credit card debt that it would be almost pointless to even try to get out — that the problem is just too big? Feeling overwhelmed by debt can make it more difficult to start tackling the issue and paying it down. Do you even know how deep your credit card debt is, or is it a problem you’ve ignored for too long?

Let’s talk about how you can make even the biggest debt accumulation more manageable. read more..

Do you have a lot of credit card debt? Have you struggled to make progress in getting out of that debt? You’re not alone. Many consumers struggle with credit card debt every year trying different debt reduction plans and new personal budgeting tactics. But there’s also a common mistake that can hold a lot of people back. Are you making it? read more..

Is your current credit limit on your credit card high enough to meet your general needs as a consumer? Do you even know if you’d be eligible for a higher credit limit if you requested one? Some credit card companies let you make an automated request online or over the phone and an increase, if approved, could be instant. But how do you know if now is the right time to request an increase?

Here are five situations when it might make sense to ask for a higher credit limit on an existing credit card. read more..

Natural disasters can bring out the best in people as we rush to aid people in our communities or other areas of the world. But the generosity also brings out the worst in some criminals. If you’re thinking about making a credit card or debit card donation to help others after a major disaster, please be careful and always know who your money is really going to. If you don’t pay attention your money might not end up in the hands of people who need it; it might go to crooks taking advantage of tough times.

Let’s look at why there might be an increased risk of credit card scams or theft attempts after big disasters in the news, and specific ways these scammers might reach out to you so you can be better prepared. read more..