Whether you use a single credit card or several of them, there’s no doubt they can be occasionally time consuming. You might have to remember the available balance on each card so you can pick the right one for each transaction. You have to wait on hold before paying a bill with a credit or debit card over the phone. Or maybe you feel like you spend too much time going over your statements every month.

If you’d like to make credit card use a little more efficient, consider these three ideas: read more..

If you still haven’t finished your holiday shopping, you’re probably rushing to take care of last minute gifts. You’re far from alone. But in that rush to get things finished, you may overlook some things related to credit card transactions.

Here are three tips for those last minute shoppers who plan to use their credit cards for any of their further holiday shopping. read more..

Do you ever find yourself feeling overwhelmed with debt, having to choose which bills to pay during any given month? It’s not a good position to be in, but it can be a challenge to get out of it. How do you choose what to pay first?

Let’s look at how credit card debt might compare to other debts you have and what you should do if you can’t afford to pay off your credit cards right away. read more..

When you set New Year’s resolutions, you likely think about things that have gone wrong in the past (or just not as well as you’d hoped). For example, you might feel like you don’t earn enough so you set a goal to increase your income. Or you focus on the mistake of getting into too much credit card debt and you resolve to pay off that debt in the following year.

There’s nothing wrong with using mistakes and less-than-ideal situations as a base for New Year’s resolutions. But look past those and you might also find motivation in past successes. read more..

Do your current credit cards really give you all of the perks and spending power you’re looking for? If not, you might want to consider applying for a new platinum credit card. These cards generally feature higher credit limits, better rewards programmes (if it’s a rewards card), and better perks than other cards.

If you think a new platinum credit card might be the right choice for you, check out these five offers. They’re our top pick platinum credit cards out of offers currently on the market. read more..