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Sunday, 31 August 2008 |
By Josh Bradley
 From a hammer to a table saw, tools are things you can use to build something magnificent or misuse them and end up hurting yourself. Credit is also a tool and although you can't cut off your finger from misuse of credit, the repercussions of using credit poorly can be felt in many other ways.
So how are most American's using credit these days? Unfortunately Americans are using credit to make themselves poorer instead of putting money back in their pocket. The truth is that all uses of credit are not created equally and it's important to understand that there are several different types of uses for credit. The good, the bad and the ugly.
Over the next few minutes I'm going to cover the different uses for credit and lay out a few simple guidelines so you can figure out what side of the spectrum you're currently on.
#1 - Using credit as a convenience.
Let's face it, pulling out that Visa or MasterCard for day to day purchases and all the bills that come with |
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Last Updated ( Sunday, 31 August 2008 )
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Saturday, 30 August 2008 |
By Nick Makaryk
 Now a days the criminal element is always out there looking for someone, to try steal one's identity. These very criminals want credit card information so they can run up the charges then leave you holding the bags with nothing to show for it. Even though some are local, most credit card criminals are in far away lands. Worse than that, they like to hide or go by other names so it's virtually impossible to track them down.
The most common way for criminals to get credit card information is through phishing, which involves a fake email that appears to be sent from your credit card company. Normally, this fake email states that there was an error with your account, or that it was accessed by unauthorized personnel and needs your attention.
Spotting fake emails isn't hard to do - as long as you know what to look for. The most obvious hint for most, is the fact that they don't even have a credit card from the company that has sent the email. For others, the link is what gives the |
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Last Updated ( Saturday, 30 August 2008 )
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