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Credit Cards
A charge-off can feel like a death sentence for your credit. When you have a debt charged off, your credit scores will drop (sometimes by a lot) and you’ll have…
The financial ramifications of credit card debt are bad enough. They include a low credit score, trouble getting loans, and maybe even legal consequences. But living with overdue bills takes…
Getting the maximum out of life is a worthy goal. Getting the maximum out of your credit card is not. Charging more than your card’s credit limit can be costly…
Remember that fabulous night out – Dinner! Drinks! — with a posse of your closest friends at one of those Michelin 5-star restaurants a couple of months back? Boy, what…
If you’re carrying high-interest credit card debt, a balance transfer can feel like a financial reset button. In simple terms, a balance transfer lets you move debt from one or…
You’re probably already past the well-intentioned warnings from experts about bankruptcy. “Don’t do it unless you have to.” “It’ll hurt at least as much as it helps.” “Make it the…
Americans are drowning in debt. If you want to know why, return to 1812. “We have met the enemy, and he is us.” That’s what Commodore Oliver Hazard Perry said…
When it comes to paying credit card bills, millions of Americans are just scraping by. They make only the minimum monthly payment, and that’s often a stretch. The good news…
Credit cards are wonderful inventions. They make purchasing anything convenient and nearly fraud-proof. They’re portable and online-friendly. Many offer rewards or cash back. When used properly, they help consumers build…
If your monthly credit card payments are choking your budget, you’re not alone. Almost half (48%) the credit card users in the U.S. carry a balance from one month to…
Sources:
- N.A. (ND) How Do Collections Affect Your Credit? Retrieved from: https://www.myfico.com/credit-education/faq/negative-reasons/collections-affect-credit
- DeNicola, L. (2026, February 9) What Is a VantageScore® Credit Score? Retrieved from: https://www.experian.com/blogs/ask-experian/what-is-a-vantagescore-credit-score/
- N.A. (ND) Am I Judgement Proof? Retrieved from: https://saclaw.org/resource_library/am-i-judgment-proof/
- N.A. (2024, December 09) Can debt collectors collect a debt that’s several years old? Retrieved from: https://www.consumerfinance.gov/ask-cfpb/can-debt-collectors-collect-a-debt-thats-several-years-old-en-1423/