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Should You Use Department Store Credit Cards?

Do you apply for, and use, department store credit cards? Do you think there are any advantages or disadvantages to using them? Some of the disadvantages really only apply to people who are unable to pay their amount owing in full each month. Why? Because most often department store credit cards charge very high interest rates and if you simply make the minimum payments each month your purchase will quickly cost you double what you actually paid for it. Department store credit cards are great for someone that needs to improve their credit score. ...
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How To Make Sure You Use Credit Cards Correctly So That You Don’t Go Into Credit Card Debt

The other day I published the article 6 Reasons You Should Look Into Getting Your First Credit Card. Even though I am all for credit cards, I know and understand that many people misuse them. Misusing credit cards can lead to debt, stress, money problems, and more. These are all things that people do not want. Below are my tips on how to make sure you use credit cards correctly so that you don’t go into credit card debt: Always review your transactions. I like to review my transactions on my credit cards around once per week. This way I don’t ...
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6 Reasons You Should Look Into Getting Your First Credit Card

There are many positives and benefits to having a credit card, and credit cards are what I use to make almost all of my transactions. I hardly ever use cash because I just do not see the benefits of using it. Instead for me, credit cards have so many benefits so I see no reason not to use them. Yes, there are reasons to stick to cash too though, but we will not be discussing those today. Below are six reasons for why you should look into getting your first credit card: 1. You can work on improving your credit score with a credit card. One reason ...
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4 Signs Credit Cards Aren’t For You

Credit cards are not for everyone. That is not a surprise. Credit cards can lead to debt, high interest fees, wasted money, loads of stress, and more. So, if credit cards are not for you, then you may want to look into ditching and cutting up your credit cards in order to switch to a cash and/or debit care lifestyle. There is nothing wrong with ditching credit cards. There is no shame in it either, so it’s always best to be honest with yourself and do what is best for you. 1. You treat it as free money. If you treat your credit cards as though ...
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Four Myths and Facts About Credit Cards

According to NerdWallet, the average household in the United States has credit card debt of $15,607. That’s a lot of debt, and many people are way above that number. Some of this credit card debt is because people don’t fully understand how to use their credit card, and then everything just grows and goes crazy from there. It’s very easy to let credit card debt get out of hand and out of your reach. I believe that understanding credit cards and why debt can happen is very important and helpful in learning how to correctly use credit ...
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Credit Card Features You May Not Know About

Many people out there do not know that their credit cards may come with other features besides just being able to pay for things with your credit card. Credit cards are not all evil, and some of them even come with great benefits that prove useful to their users. I have found that there are many very useful aspects of having a credit card. Below are credit card features that you may not be using yet: Protection from transactions that you did not make yourself. I think this is one of the biggest positives of having a credit card. Unlike when you ...
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Building Credit with a Credit Card

I found a great infographic the other day that I wanted to share (no, I am not affiliated with the creator of this infographic in any way). Many people each and every single day try to build up their credit score by using credit cards responsibly. What are you waiting for? If you want to build up your credit score but you know that credit cards are not for you, there are other options out there. I will be covering this more soon. Other ways to build your credit include paying normal bills such as rent, utility bills, a mortgage, car loan, and more. ...
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Using Your Credit Card Responsibly

Credit cards are not evil for everyone. Yes, some people should be using cash and should never have a credit card, but there are some out there who are great with using credit cards. Below are my tips to become one of those people. Only buy what you can afford. If you can’t afford what you are about to put on your credit card, then you just need to put it back in your wallet and step away! Only buy what you can truly afford. If you carry a balance each month and you are paying interest on your balance, then your balance is too high. You should ...
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