Avoiding The Credit Card Over-The-Limit Fee
by Jeffrey Strain
One of the most troublesome credit card fees that you can run up against is the over-the-limit credit card fee. Unlike most other credit card fees where you pay one time for the offense, after you breach your limit, you can end up paying this fee month-in and month-out. Once you exceed your credit card limit, the over-the-limit fee is an automatic, computer generated fee.
They Raised My Rate
by Scott Bilker
Scott, I called the card issuer last week for some routine issues, and happened to ask what my rate was. It was raised to Prime + 4! The operator said they sent me a notification letter last year, but couldn't tell me why the rate had changed. Any suggestions?--Dean
Cash advance suicide
by Scott Bilker
Scott, I have three cards currently all intro 0% wondering if I made a cash advance of say $1,000.00 then immediately took advantage of 0% balance transfer would I still be liable for the 24.99% advance rate as well as the fee even though account was paid off the same day or at least within billing cycle? Matt
0% forever transfer deal--is it for real?
by Scott Bilker
Scott:I received an offer from Discover for a no fee, balance transfer with 0% APR for life of the unpaid balance, as long as I make a purchase each month after July 2005. Is there a catch here? Thanks for all your help. Sincerely, Mark
Beautiful offer made by CapitalOne to my wife
by Scott Bilker
Dear Mr. Biker, I would like your advice on this "fantastic" offered made to her by the CapitalOne mentioned above and make sure that they aren't trying to "cheat her out of our hard earned money. Please help me enlighten and educate my wife regarding credit cards. Regards, Oscar
America's Love Affair with Credit Card Rewards and Rebates!
by Curtis Arnold
February...the month conjures up images up puppy love, romantic escapes, and red roses. Granted, credit cards are typically not viewed as being very romantic :), but America's "love affair" with credit cards that offer rewards and rebates remains strong.
Retail Credit Cards and Department Store Credit Cards
by Rebecca Lindsey
Many retail stores want to offer you a line of credit. But before you sign up to get 10% off your purchase and a free umbrella, you need to understand the effect that such cards can have on your credit-both good and bad.
How banks use low rate offers to lock in high rates
by Scott Bilker
Scott, I have used the lower interest rate checks from my credit card company to transfer debt. I noticed on my statement that the balances on the original rate and the new rate are not getting paid down proportionately. Can I get the company to apply my payment my way? Is the use of these checks a benefit or a curse? --Mary
Credit Card Protection Insurance- Should You Get It?
by Rebecca Lindsey
A brand new year always starts off with new possibilities and opportunities. For many, a new year offers a fresh start, and thousands will make a New Year's resolution to get their financial matters more organized.
How are you buying a car with credit cards?
by Scott Bilker
Scott, Mechanically, how are you completing the transaction? I've heard some dealerships don't accept credit card purchases (because of the CC discount?).
Subscribe FREE and start
finding new ways to save
money and pay off your debt.
"The DebtSmart Email
Newsletter is packed with
cutting-edge strategies for
solving credit problems. I
highly recommend it."--Gerri
Detweiler, radio host and
author of The
Ultimate Credit Handbook
