You think you’ve found a real gem of a credit card offer. On the surface it looks perfect. The interest rate is comparatively low, the annual fee is waived for the first year, and there’s even a special balance transfer rate trying to woo you with its siren call so you’ll move your existing balance there. All in all, you’ve found a pretty cheap credit card! You rush off to apply.

Hold on for a minute. Surely you’ve heard the phrase “if it seems too good to be true it probably is.” Is that what’s going on with cheap credit cards? Maybe. read more..

No matter how good your current credit card offer is, it could probably be better. Maybe you’d like to pay less in fees or stop paying interest. Perhaps you’d like to earn more rewards. Sure, you could look for other credit card offers and initiate a balance transfer to get a better deal, but did you know there is an easier way?

Whether or not you have a good credit card deal is largely up to you! Nothing influences how much you pay or how much you earn more than you do. Here are a few ways you could change your own behaviour to land a better credit card deal, without having to negotiate with your credit card company.
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Normally having the urge to splurge with your credit card is a bad thing. However, every now and then it’s not a bad idea to buy yourself something new. A shredder, for example, is an excellent and worthwhile expense (and small enough that you can charge it and pay it back quickly without having to pay interest!).

Let’s talk about different kinds of shredders and why you need them:
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Although most credit card companies try to make sure that customers stay satisfied with their products, it is often the case that there will be complaints about service or a dispute about charges on the credit card.

The first step that is recommended by the Federal Government is to complain to the provider.  The provider is the most effective party to sort out any complaint and has the most direct interest in keeping a credit card customer happy.  This should first be done as a call to the credit card provider (keeping a note of the call, which person was talked to and roughly what was said). read more..

You don’t want to get into credit card debt (or maybe you want to get out of it). You don’t want to be hit with unexpected credit card fees. You certainly don’t want to become a victim of credit card fraud or identity theft!

There’s one easy thing you can do to help you with all of those goals: create a monthly credit card to-do list. Your to-do list (or checklist) will serve as a monthly reminder to stay on top of your finances so you’re never surprised. read more..