Credit & Debt

Image of a Pile of Credit Cards

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.

Back in January, I checked my Equifax credit report as part of my diy credit monitoring system. This system involves checking one of you three free credit reports every four months. The hard part, of course, is remembering to pull your credit reports on a regular basis. To combat this […]

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In response to my recent post about the Barclaycard Arrival 5k point promo, a reader named Paul wrote in to ask: “Regarding the Barclaycard Arrival credit card, which hotels, motels, airlines, tour operators, car rental agencies, etc. are affiliated with this card?” The short answer is: it depends. This card […]

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Remember when I was hunting around for a credit card with an EMV chip for use in Europe? At the time, such cards were relatively hard to come by in the American market. As a reminder, Europe has largely transitioned to so-called “chip-and-PIN” credit cards in hopes of reducing credit […]

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It’s no secret that I’m a fan of the Barclaycard Arrival World MasterCard. With a huge signup bonus that’s worth up to $444, free access to your FICO credit score, and 2x cash back rewards, it’s hard not to love this card. While they don’t have rotating bonus reward categories […]

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Awhile back, I told you that Barclaycard had started offering free FICO credit scores to holders of their Arrival World MasterCard. If you have this card, you can see your credit score whenever you want via their online interface. Not only that, but new customers could (and still can) get […]

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Looking ahead, it’s time for Discover cardholders to enroll in the new bonus reward categories for Winter 2013. Full 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 select purchases, […]

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For those of you with a Chase Freedom card, it’s time to look ahead to their 5% reward categories for 2014. 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.

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As a quick followup to my earlier post about the Discover it card offering free access to your FICO credit score, I also wanted to point out that this same card is currently offering 0% on balance transfers for up to 18 months. That long promo period makes the Discover […]

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