Students are sometimes in an interesting position compared to other consumers. They may have high costs (such as their school tuition), only a part-time job, and still be eligible for credit cards. Because of the common lower income levels, some students turn to those student credit cards as a means of primary financing — to pay for course credits, regular food expenses, or even nights out with friends.

Using student credit cards to cover or finance these everyday expenses (which would normally be covered by cash available or other financial options) is a bad idea, especially for students. read more..

Do you feel like you’re in over your head with credit card debt? Are you worried that your debt will spiral out of control if you don’t make changes soon? Stopping the patterns that led to credit card debt in the first place aren’t always easy, but that doesn’t mean you don’t have options. Let’s talk about some basic things you might be able to do to put your credit card debt on ice while you pay down your balances.

Let’s take a look at five things that might be able to help some consumers stop spiralling into deeper credit card debt. read more..

Are you about to get a new balance transfer credit card? Did you just recently move a balance from one credit card to another? Then surely you know that balance transfer rates are limited time deals. Are you prepared to pay off your entire transferred balance before that introductory offer expires? You definitely should.

There are several reasons it’s important to stay on top of your transferred credit card balances so you don’t end up in a worse situation than you had with your old high interest credit card. Here are a few reasons: read more..

Are you ready to compare credit cards before applying for a new one? Do you know what kinds of features you might need to compare? Do you have priorities — certain features that are more important to you than others? Let’s take a look at some common credit card features you might want to compare to give you a place to start.

Here are six examples of credit card features you might want to keep in mind during your next credit card comparison. read more..

When you apply for a rewards credit card like the Earth Platinum credit card it’s easy to focus only on the rewards points. If you do though, you’re missing out on some of the best parts of having a rewards card and you aren’t getting the most out of the deal.

If you really want to get the most out of a rewards credit card, you need to take a two-sided approach that focuses on both the rewards programme and the other credit card perks you’re paying for (whether you use them or not). Let’s take a look at how you can do that. read more..