Credit Card Offers

So, you need to find a credit card for your small business? In this case, you probably want to locate the perfect one – not just any. Finding the best small business credit card is not as difficult as it may sound. This is a big decision for your business, so you cannot afford to make a mistake. There is one secret that can put you on the path to finding the best card: compare many.

Although it may sound simple, it is 100 percent true. The secret to finding the best small business credit card is comparing many of them before making a decision. Yes, this takes time and in some cases a lot of it. B

Read full post…

Identity theft is the fastest growing crime in America. It affects not only adults, but children as well. Often people aren’t even aware their identity has been stolen.

Credit identity theft is the most publicized. Someone uses your information to obtain loans or credit in your name, sometimes even taking money straight from your bank account. You are left with a bad credit score; often with thousands of dollars of debt you didn’t accrue.

Driver’s license identity theft involves someone using your information when issued a citation. When they fail to appear in court, you are the one the police come for. Read full post…

When you have a credit card balance how do you deal with it? The answer to this question will determine what you do now, in the future, and if you ever decide to apply for a new card. Somebody who pays off their balance in full every month is much different than a consumer who will carry a balance for years on end.

I never carry a balance. If this sounds like you, the interest rate attached to your credit card does not really matter. Since you never carry a balance you will never pay a dime in finance charges. How does that sound to you? Although this is the best way to be, many people find it next to impossible.

Read full post…

I’m baaaack. Well, temporarily.

For more than six years I wrote the weekly Love & Money column that appeared in these pages, chronicling the financial adventures — and misadventures — of me, my wife, Amy, and our two children. It offered a glimpse into the real financial life of a real American family. But after six years, I wanted to focus on new assignments at The Wall Street Journal.

I’ve been gone for about 18 months now, and yet I’ve never stopped receiving emails from readers asking what’s up with my life. So, this is my occasional opportunity to provide an update.

* * *

First, the basics: Amy and I still live in Baton Rouge, I’m still at The Wall Street Journal and Amy still works as a hospital administrator.

Read full post…

How are you paying for gifts this holiday season? Those who are smart are using cash. This way when January rolls around they do not have any additional debt to deal with. Others are using credit cards – these include store credit cards. There is no denying that store credit cards have a lot of benefits to offer, especially during the holidays. But you still have to be careful about how much you buy, what you purchase, etc.

The main benefit of using a store credit card is that you will probably receive some sort of perk. For instance, some stores give large discounts, sometimes as much as 20 percent, for those who use their store credit card. O

Read full post…

When you apply for a credit card and receive your plastic in the mail you are almost ready to go use it for the first time. Before you do anything, the last step is to know what your credit limit is. If you know this number you will know how much you can spend. Of course, this is not to say that you should get into the habit of maxing out your credit card – this is never a good idea.

Your credit limit is just what it sounds like. It is the maximum amount of money that you can spend using your card. For instance, you may have a limit of $5k. This means that you can put $5k on your credit card without receiving any penalty from your provider. T

Read full post…