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 [...]
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 [...]