There are several reasons you may be tempted to agree to an insurance policy being offered by your credit card company. Perhaps you’ve run your cards to the max or you’re struggling to make even the minimum payment with little hope of being able to pay it off. Just in the nick of time a letter comes from your credit card company offering to provide you with a life-line. But should you accept the offer or keep treading water and look for other ways to protect yourself and prevent drowning in debt? More
Credit Insurance – A Costly Add-On to Avoid
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The way we pay for goods and services is changing quickly with innovative new services that eliminate real-time bank approvals or the need to open up our wallets. One of the first out of the gate was 
The Consumer Financial Protection Bureau (CFPB) was established in 2011 to oversee credit cards, mortgages, student loans and other consumer finance issues. One area they oversee is the federal regulations put in place by the CARD Act of 2009, which was designed to prevent households from taking on more debt than they could handle. Although it’s had 
Although store-branded credit cards and those offered by the major credit card companies are alike in many ways, there are subtle differences that every consumer should know about before opening an account. Both provide consumers with access to credit and a variety of benefits – when used under the right circumstances. The problem is, many people assume that the only difference between a store credit card and a major one is the logo on the front; but the differences go much deeper. 
Financial experts give one piece of wisdom to every consumer – check your credit reports and scores at least once per year. There’s no question that this is advice worth following, since you’ll be protecting your personal information and credit profile against fraud and identity theft. But why should you check them more often than once per year? The simple answer is that changes are made more frequently than you may think; in fact, checking every six months is the most prudent choice. 
Are you suffering from high winter debt? Perhaps you’re suffering from a holiday hangover, spending too much at the mall and struggling with the side effects of gift giving. If you live in a cold climate, living expenses are higher in the Winter, particularly with rising heating and electricity costs. For people who have seasonal jobs, debt can accumulate in the winter when there is less work and credit cards are used to make ends meet. Could a balance transfer might be the solution?