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The Most Delicious-Looking Piece Of Corporate Schwag We’ve Ever Received

This just arrived in the mail for me. It’s a huge chocolate VISA card, complete with my name. It’s about the size of a hardcover novel and as thick as an iPhone. Who sent it? None other than our good friend Bill Hardekopf, CEO of Lowcards.com Thanks Bill! Join the conversation about this story » [...]

Credit Card Fraudster Photoshops Himself With Charity Patients, Forges Letters To Help His Trial

That was the last ace up his sleeve. Daryl Simon, accused of forging credit cards and buying cars with fake cashier’s checks, placed his face onto pictures of old and injured people at charity events – as though he was someone taking care of sick patients or next to teenagers – in order to ask [...]

Surprise! New Credit Card Legislation Pushed Interest Rates To 22-Year Highs

The spread on credit card interest–the difference between the interest rate on your charges, and the Treasury benchmark rate–is the highest it’s been in 22 years.  The culprit?  The CARD Act, which has given banks much less flexibility in the fees they charge.  Banks now have to give you 45 days notice before they raise [...]

Cut Up Your Credit Cards If You Want Debt Relief

Are you dreaming about debt relief, but struggling with credit card debt? Then I hope you are ready to consider cutting up your credit cards as that is one of the best ways to get started. Let me give you a couple of good reasons why getting rid of your credit cards is needed for [...]

How To Improve Your Personal Credit Score

Note: This article was originally published on OPEN Forum. For many small-company owners, especially those who haven’t been in business for that long, your personal credit score is the key to getting anything from a bank loan to a lease. “It’s simply crucial to finding financing,” says Gerri Detweiler, credit advisor at Credit.com and author [...]

Negotiate Credit Card Debt

Due to the economic recession a lot of people had to go in debt to keep their house and/or a normal life. Others got big debt through college, there are numerous reasons for people to have a debt. Having a debt is easy, getting out of a debt is not, or is it? More and [...]

After Dropping, Credit Card Charge-Offs Are Back On The Rise

After some signs that consumers were starting to catch up on their credit card bills, charge-offs are back on the rise! Reuters: Capital One Financial Corp and Discover Financial Services reported that credit-card charge-offs rose in November — a sign that consumers remain under stress. In a regulatory filing on Tuesday, Capital One said the [...]

Credit Card Charge-Offs Rise In November, Breaking Two-Month Streak

Disappointing news on the consumer front, courtesy of the latest charge-off numbers: WSJ: The rate of charge-offs on U.S. credit cards rose more than a half-percentage point in November, snapping a two-month run of drops from an all-time high in August, and delinquencies rose for the fourth consecutive month, Moody’s Investors Service said. Charge-offs, which [...]

Debit Consolidation: A Wise Choice for Reducing Debt

A Consolidation Loan Offers Peace of Mind If you want stop calls and notices from your creditors, then a debt consolidation loan can be the answer to obtaining the financial relief you need. There are a variety of free debt consolidation programs on the Internet that can steer you towards lenders who can help in [...]

New Credit Card Rules Start Monday, But You Can Still Get Screwed

// Before you get too excited about the new federal rules on nasty credit card practices going into effect Monday, consider this: there are still plenty of ways to get screwed.  Nine months ago, President Obama signed the Credit CARD Act, which ended practices like “any time for any reason” increases on existing balances or [...]

Here’s 10 Ways Credit Card Companies Are Still Screwing You

// http://www.businessinsider.com/ // ]]> Before you get too excited about the new federal rules on deceptive credit card practices going into effect today, consider this: there are still plenty of ways to get hosed.  // Nine months ago, President Obama signed the Credit CARD Act, which ended practices like “any time for any reason” increases [...]

Negotiate Credit Card Debt with Collection Agency

When one first finds out that their credit card debt has gone to collection, the instinctive reaction is undoubtedly of despair and hopelessness. What’s coming are ruined credit and possible lawsuits or bankruptcy. The situation however is not as bleak as your debt collector would like you to believe and successfully negotiating credit card debt [...]

Credit Restoration

Being down trodden financially is never a welcomed event in a person’s life, and after the dust settles from a setback of such proportion, one of the first things on your agenda should be credit restoration. You may have to have a credit report pulled to see who of your creditor need the most attention [...]

What to Look for on a Credit Card Debt Relief Agency

Many people are already experiencing issues with their debts – bad credits, daily phone calls from collectors, letters telling that your balance keep on increasing, and so on. Since this is the case, many of those people try to find ways on how to solve the problems on their debt; mortgages are just fine, it [...]

Gain Hope with Debt Relief Options

Let’s face it. Debt is a burden. Nobody likes debt, but all too often, many of us find ourselves wallowing in it up to our elbows. When this happens, it feels as if there is no way to get out of debt other than to file bankruptcy. But before you come to this conclusion, think [...]

How to Get Help With Debt

Consumers needing to get out of debt have several options to choose from. Here is a mini-guide to debt solutions that can help consumers find the best debt management program to meet their needs. There are many debt reduction programs that claim to help with debt. Unfortunately, many of these programs fail to provide meaningful [...]

Consolidate Credit Cards? Beware Of New Debt

Whether you have two, three, four, or more credit cards, you may want to consider if it is time to consider the need to consolidate credit cards. The more monthly payments you have the trickier life may get, and the need for debt consolidation help should be something to seriously consider. Let’s take a brief [...]

Credit Debt Consolidation — Rebuilding Financial Security

Credit debt consolidation is the first step toward financial freedom. With bad credit debt consolidation, you make a formal commitment to pay off your creditors. Credit debt consolidation resolves financial problems by providing a manageable way to repay debt. Those who succeed commit to the discipline of budgeting and wise financial management. They live within [...]

Unsecured Debt Consolidation Loans: Your Solution To Bad Credit?

Unsecured debt from credit cards, medical bills and other sources can pile up fast and make individuals feel as though they are sinking into financial ruin. If this is the case for you, unsecured debt consolidation loans can offer you a way to get out of the bad credit pit and back on the road [...]

Bad Credit Cards: Are They Right For You?

As the unemployment rate continues to rise, many have been turning to credit cards for emergency spending, using it to cover the most basic bills. Others are well past this point and now find themselves drowning in unsecured consumer debt, leaving their credit a shambles. With these developments, credit repair promises to become a growth [...]

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