Archive for: Credit & Debt

Shop At Target? The Target Red Card Is A No-brainer

Target Red Card

If you shop at Target, the Target Red Card saves you 5 percent, every time. As long as you pay it off in full each month (or get the debit card version), why wouldn’t you get this card?

Before You Apply, What You Need to Know About Balance Transfer Credit Cards

Before you apply for a balance transfer credit card, get the facts.

Banks advertise balance transfer credit cards as a money-saving debt fix. Of course, we know better. Balance transfers can reduce your interest costs and help you pay down debt, but only when used responsibly. Here are some safe handling instructions for credit card balance transfers.

How To Raise Your Credit Score Once You Are Out Of Debt

Why People Who Get Out Of Debt Can Still Have A Low Credit Score

Getting out of debt is a huge accomplishment. Congrats! Unfortunately, you may not be celebrating for long if you discover that you still have bad credit even after your debt is gone. It’s a common problem, but there are steps you can take. How to raise your credit score after your debts are paid off.

Should You Delay Retirement Contributions To Pay Off Debt?

Should You Delay Retirement Contributions To Pay Off Debt

Should you postpone contributing to your 401(k) to pay off debt? When it makes sense to delay investing until you debt is paid off.

You Paid Bills Late: Just How Bad Is That? The Lifetime Cost Of Missed Payments

A Business Suit, A Credit Goof, And Making Your Rating Bullet Proof

Everyone knows paying bills late is bad for your credit score. But you might not realize that the lifetime cost of missed payments could be higher than you think.

Capital One Venture Credit Card: Still Tops for Travel Rewards

The Capital One Venture and VentureOne credit cards are excellent values for travel rewards.

We give the Capital One Venture Credit Card a top spot among travel rewards cards. Choose between a no annual fee card that pays 1.25 miles on every purchase or earn double miles for a modest annual fee.

Review: Discover it® Miles–Double Miles your first year

Discover it miles review

Simple rewards, no annual fee, and award-winning customer service make this new miles credit card worth your consideration. Read more in our complete review of Discover it® Miles–Double Miles your first year.

Is This A Better Use For Your Credit Card Rewards?

A better use for your credit card rewards?

Credit card rewards are an oft-overlooked way to boost your bottom line. Stop redeeming $25 gift cards and start taking your credit card points to the bank.

Finding A Credit Card That Will Approve You With Limited Credit History

How to get a credit card with limited credit history.

You thought you were smart by avoiding credit in your early 20s. Now, you face the “credit catch-22”: You need to build credit but with your limited history, you can’t get approved for a credit card. Here are your options.

Stop! Never Withdraw From Your 401(k) To Pay Creditors

Who Can Seize What You’ve Saved In Your 401k-

Withdrawing from your 401(k) can be a tempting way to pay overdue bills, but it’s almost always a mistake. The IRS is the only creditor who can legally seize assets in your 401(k).