MoneyUnder30.com

When to Get a Credit Card, When to Use It & When to Cut It Up

Adopt Me! When's it time to bring home a credit card?

Love them or hate them, credit cards are a fact of financial life. They can make tracking spending effortless. Just as easily, they can blur the line between how much money you have and how much you can spend—plunging you into debt. And even avoiding credit cards altogether is not without risk; you may need credit […]

Credit Card Insurance: Little-Known Ways Your Plastic Can Protect You

I’m off again this week recovering from a whirlwind two weeks of travel for the day job. In the meantime, here’s a collection of little-known credit card perks from Michael Dolen, the twenty-something founder of Credit Card Forum, a site where card users can openly discuss all things related to their favorite pieces of plastic. […]

How Much are Your Credit Card Miles Actually Worth?

value of 25k miles

In the world of personal finance, the couple hundred bucks a year you might earn from credit card rewards isn’t a big deal. I’ll bet you can find five ways to better optimize your finances. Still, if you’re like me, you probably enjoy playing the game…”How much can I get back for stuff I’m already […]

How To Choose The Right Credit Card For Your Spending Style

As I contemplated changing my everyday credit card to the Chase Freedom card; I’ve been pondering one of my favorite financial topics…credit card strategy. In other words, how does one maximize the benefits of

Debit vs. Credit: How Do You Use Them Differently?

Debit or credit? At a distance, there’s virtually no way to distinguish the small plastic cards with Visa or MasterCard logos. Both allow you to pay for goods and services instantaneously by transferring cash behind the scenes. But anybody who understands how these two payment cards work knows the similarities are only skin-deep. Credit cards […]

How to Lower Your Credit Card Interest Rate

When it comes to pulling the wool over customers’ eyes, banks issuing credit cards are the pros. And one of their favorite ways to trick you is to raise your credit card interest rate. Although new credit card laws make it more difficult for the banks to do it, don’t think you’re immune to a […]

Credit Cards with the Best Customer Websites

Capital One Online

The credit card industry is competitive. As a result, the leading cards for borrowers with good credit are pretty similar. If you go with one of our recommended credit cards, you can expect a decent APR, rewards with every dollar spent and—in most cases—no annual fee. But what else distinguishes these cards? For one, their […]

Credit Card Sign Up Bonuses: A Reason to Apply?

Credit card banks are masters of marketing; our household receives some kind of credit card junk mail several times a week. Banks are annoyingly persistent, but they’re also sneaky. One of the tricks? Credit card sign up bonuses. You know the kind: 10,000 miles after your first purchase. A free airline ticket when you spend […]

Using Credit Cards and Debit Cards Overseas

When I moved to the UK and opened a bank account, I had no idea that anything but a Visa or Mastercard logo could be on a debit card (in other parts of the world, there are other kinds of debit cards). I should have looked into this before hand, but it honestly didn’t cross […]

The New Credit Card Rules and You

The CARD Act—a set of new regulations designed to limit credit card trickery—went into effect this week even though Congress proposed the act over a year ago. Since then, there’s been a lot of talk about what this all means for people like you and me. And it’s not all good. Without prying into painful […]