Personal Finance and Lifestyle Guide
Credit card news, articles and guides from shebudgets.com.
Credit card rewards are one of the single biggest factors associated with the application process, and many people make it a habit to check the reward programs prior to anything else when applying for a new card. However, it’s not the only factor that goes into the process. What’s important to understand, however, is that […] More
“Getting a credit card is going to ruin your life,” “Credit cards are the devil,” “Credit cards are the root of all evil.” Does anyone else see the irony in all of the above statements that people love to make on a regular basis (noses wrinkled and in the air with a touch of disdain […] More
Credit card fraud is among the most common methods of thievery out there right now. It happens all the time, and most of us have no idea it’s happening. It’s not just the man who takes your card out of your wallet after stealing it, or the person who takes your card number in a […] More
Why are credit cards important? Believe it or not, you don’t have to have one. However, life is far easier with a credit card than without. The make it easier to rent a car, book a hotel room, plan trips, earn rewards and actually get paid for your shopping. Credit cards have developed a bad […] More
I know you love the idea of free money that you can spend anywhere you want doing anything you want, and I don’t blame you. I love it when someone tells me I can use a cash back credit card all year long and make money with every purchase so that I can eventually turn […] More
Credit cards for students are often considered a bad idea. In fact, it’s many college students who are given credit cards they don’t know how to use that end up in the most financial trouble in the future. It happens, and there’s nothing you can do about it after the fact that learn from your […] More
As a business owner, you might wonder whether or not the concept of accepting credit card payments is worth it to you. There is some debate about this among business owners, particularly those who have small businesses. Here’s the deal; most people use credit and/or debit cards to make their purchases. There are people in […] More
Debt is not something you want to have. You hear it your entire life, and yet so many people still have it. Sure, some people are just unwise when it comes to their finances, living above their means for various reasons. Others are put in a situation in which they feel they have no choice; […] More
You can’t tell the difference between a prepaid credit card and a real credit card, but there is a difference. Nearly 80 million people in America choose not to deal with banking institutions for some personal reason, and more than that have questionable credit scores. For these two reasons alone, millions of Americans choose to […] More
If you’re going to carry a credit card – and everyone should for emergency purposes – you should consider carrying one that has the lowest possible rate if you don’t plan on paying off the balance in full each month (and if you don’t or you worry that you won’t have the discipline, try applying […] More
How to recognized credit card addiction Sometimes there are signs in life. There are signs that point you in different directions both literally and figuratively, and there are signs that you need to make some life changes. One such life change is using your credit card. Debt is very real, and it’s debilitating. It’s a […] More
I was 18 when I received my first credit card. My parents felt it was important that I get one of my own and learn to use it responsibly; so I did. I had a very low $300 credit limit, and that was for the best. The first thing that I did was take my […] More