Credit Card Now

You can if you want to – simply add his or her name as an authorized user on your account, and have him/her do the same for you. Then you’ll each be issued cards on each other’s accounts and both be able to use all of your combined accounts.

But should you?

Since money issues are a prime cause of divorce, the first thing to do is get into agreement about how your credit cards – and the rest of your financial picture – will be handled. Of course, this issue should have been settled long before the wedding, but if it’s still a question, now is the time to face it.

If your spending habits are similar – good – especially if you’re both conservative spenders. But if on Read more…

Do you like to buy lottery tickets? Using this credit card is even better than buying a lottery ticket, because you don’t have to pay to enter.

Every time you use your American DreamCard™ you get one entry for every $1 you spend – up to 1,000 per transaction. The monthly sweepstakes jackpot grows with the amount of money spent on purchases by the American DreamCard® holders. This is the first and only “Pooled Rewards™” Credit Card.
Of course you don’t have to be a big spender, because just one entry could win, but the more entries the better, so you’ll get 1,000 entries just for applying for this credit card. You’ll get 5 Read more…

Consumers have been up in arms over escalating rates on their credit cards. They’ve complained to lenders, researched options on other credit card terms, and sent a loud and clear message to their Congressional representatives.

President Obama signed the Credit Card Accountability, Responsibility, and Disclosure (CARD) Act of 2009 last May, and, in response to the promise of tighter restrictions, credit card companies scrambled to boost revenues by establishing rate increases prior to the February 2010 date for enacting the legislation. T

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With the noble thought that Congress needs to protect consumers from excessively high interest rates, credit card companies and banks may soon have a new law to conform to. Rep. Louise Slaughter (D-N.Y.), Chairwoman of the House Rules Committee, with the assistance of Reps. John Tierney (D-MA) and Michael Capuano (D-MA) proposed the Renewing America’s Commitment to Consumers Act. T

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However, we have also included the ‘best of the not so good’ on credit building cards, for those who need access to credit at the beginning of the year, but who have bad debts…

0% Balance Transfer credit cards

Advice: Aim for those with the longest 0% balance transfer term and the lowest balance transfer fee, although the vast majority of cards now charge a fee between 2.8% and 3%. The interest rate on the card once the 0% period is over should be irrelevant, as you should have paid off the balance at this point or moved your remaining debt to another card.

Best buys: Virgin Money have been first-rate in this regard: it has a 16-month balance transfer offer with a fee of 2.98%.

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