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Friday, 08 August 2008 |
By Nick Makaryk
 We all know one thing for certain - there's no shortage of credit card offers out there. They bombard us from seemingly every direction: on the internet, through the mail and everywhere else! Maintaining your credit can be a difficult thing; and getting the one which you really want can be harder still.
Shops are always very willing to give you a discount to induce you to sign up for a card and of course, an extra 20% off is tempting. However, after this one time discount you find yourself faced with yet another monthly bill for this new one.
Really though, the problem with them is that when people use them, they don't think of it as spending money. There's no less cash in your wallet or purse afterwards; making it all too easy to just produce the plastic in any situation, which can lead to overspending.
They were not created for people who are on a tight budget - each month you must make a payment. Even if you make the minimum payment and avoid late fees, it can still |
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Last Updated ( Friday, 08 August 2008 )
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Thursday, 07 August 2008 |
By Ben Needles
 Each year credit card companies spend hundreds of thousands of dollars to send out credit card offers to try to get you to apply for their particular card. It can be a little unsettling to try to choose the right one, with so many pre-approved offers. What can you do to make the decision easier? Should you just take the first reasonable offer and send in the application?
The best way to begin is to decide what you really need to use a credit card for. After you have made the decision on what purpose a credit card will serve for you, it would be a good idea to review all the card offers to find the one that fits your individual needs. What are some of the reasons to use a credit card?
Some people use a credit card in an emergency or to make a special purchase and they usually pay off the card balances. Most people, however, use their credit cards for all types of purchases and also |
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Last Updated ( Thursday, 07 August 2008 )
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