American consumers are always struggling to keep up with their monthly bills, especially credit card bills. In addition to skyrocketing gas prices and rising household expenses, credit cards are being used more often to pay for nominal items. Credit services that offer credit counseling have seen a sharp increase in the number of families seeking […]

Credit card debt can be a scary situation to find yourself in. Luckily, you aren’t alone. Millions of Americans not only have credit card debt, but many are also carrying balances of $10,000 or more. Plus, recent studies have shown that most Americans hold at least four credit cards, with 14 percent holding 10 or […]

Over the years, credit cards have become an increasingly valuable financial tool. No longer are banks the only company who issue credit cards; now every department store, retail store, furniture stores, and gas station offer consumer credit through their own name-brand credit cards. Furthermore, each credit card offer comes with a perk that makes it […]

Credit card debt has been growing at a steady pace for many Americans over the years. Millions of Americans are having difficulty even keeping up with minimum monthly payments, let alone have the ability to pay off the debt. For most, the debt cycle is an unending one, in many cases requiring credit counseling to […]

Credit cards have become omnipresent; they have now eclipsed cash as a common method of payment in America. Plastic money is the new American currency. The use of credit convenience has evolved into a nightmare of credit card debt inconvenience for many Americans. The lure of plastic cards has made it difficult to imagine life […]

An increasing number of credit cardholders who have racked up a sizeable credit debt and are struggling to meet their financial obligations are obtaining relief through credit settlement. This payment strategy is one of the fastest-growing because it saves consumers money and enables them to become debt-free as inexpensively and quickly as practicable. Even though […]

The following situations merit consumers’ immediate attention since they impact credit score: Balances that surpass the limit or are maxed-out; Balances carrying a high interest rate; Balances that exceed 50% of the credit limit; and Accounts that are past due. First and foremost, credit card debt management necessitates the implementation by borrowers of the following […]

Credit card debt – most consumers in America try to avoid it, yet somehow find themselves in it! This is heavily due to the fact that plastic money is convenient and it lets you buy something now and pay for it later. However, before you know it, your bills begin to pile up and you […]

With more than 5 billion credit card offers landing in the mailboxes of U.S. households each year, and a monthly average of six offers per household, it is not surprising that so many Americans are submerged in debt. Hefty finance fees and interest charges that accumulate over time compound the misery of fiscally-overextended consumers trying […]

When your credit rating has been dealt a severe blow, there is no magical remedy to nurse it back to health. However, rehabilitation of bad credit can be achieved through the application of self-help principles and the utilization of credit card-dependent measures. With discipline, determination and patience, consumers mired in debt can overcome a poor […]