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.

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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There was a time when your credit score was a closely guarded (and costly) secret. But that’s been changing. For example, as I noted awhile back, the Barclaycard Arrival World MasterCard started offering free access to your FICO score via their website. These scores are updated monthly. And now Discover […]

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Have you checked your credit report recently? I have. In fact, I pulled my Equifax credit report (for free) just last week. Care to guess what I found? Absolutely nothing. Or at least nothing out of the ordinary. Just my boring report. But, when it comes to credit reports, boring […]

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In the wake of the massive Target data breach, I’ve decided to throw together a free, diy credit monitoring system. Yes, Target is offering a year of free credit monitoring, but that only covers your Experian credit report, leaving Equifax and TransUnion out in the cold. And it only lasts […]

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Earlier this afternoon, I received an e-mail from Target regarding their pre-holiday data breach. It seems that the more they investigate, the worse the situation gets. At first, they thought that hackers had snatched the credit and debit card info of 40M customers. But now they’re saying that the names, […]

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