Perhaps the best known bit of financial advice out there is that you should “spend less than you earn.” You’ve probably heard it over and over (and over!). And for good reason. This is a bulletproof solution to whatever financial woes you might face. And yet… So many people seem [...]
Credit & Debt
Andrew Tobias once said “You want 21% risk free? Pay off your credit cards.”
That’s great advice. When used responsibly, credit can be a powerful tool. But when abused, it can be a dangerous thing.
Like it or not, credit and debt are an integral part of modern society.
This page is home to articles about all aspects of credit and debt. Topics of interest include credit card offers, debt reduction, signup bonuses, reward cards, balance transfers, credit scores and reports, interest rates, and more.
As with Citi and Chase, it’s time for Discover cardholders to enroll in the new bonus reward categories for summer 2013. Details can be found below. As a reminder, Discover (and others) adopted rotating reward categories a few years ago. This means that you can get 5% cash back on [...]
Do you have a Chase Freedom credit card? If so, it’s time re-enroll for their bonus reward categories. As a reminder, Chase (and others) adopted rotating reward categories a few years ago offering 5% cash back on select purchases, but you have to re-enroll quarterly.
Unlike the situation with Discover and Chase, I haven’t been able to find a yearlong calendar of bonus reward categories for the Citi Dividend card. They have, however, announced their bonus categories for the current (summer) quarter, which runs from July 1st through September 30th. Winter 2013: The winter 2013 [...]
If you’re in the market for a cash back credit card, the Upromise World MasterCard might be worth a look. It offers an easy $50 signup bonus (with first use) and up to 5% cash back on your purchases. Granted, the top (5%) tier is only available when shopping through [...]
In case last week’s $444 signup bonus wasn’t your cup of tea (or even if it was), I wanted to point out another nice credit card bonus. This one is a $100 signup bonus courtesy of the NFL Extra Points Visa card from Barclaycard. To qualify, you’ll need to apply [...]
Guess what? The Barclaycard Arrival World MasterCard is back and they’ve sweetened their signup deal. They’re now offering a 40,000 “mile” signup bonus. Since their miles can be redeemed for statement credits on a penny-per-mile basis, that’s effectively a $400 cash signup bonus. But wait… This deal gets even better… [...]
A reader named Chris wrote in a few days ago to ask about credit cards with good 0% balance transfer offers for paying down debt. Before the financial crisis, you could hardly turn around without bumping into a no-fee, long-term 0% balance transfer offer. But then the landscape changed. At [...]