Credit Cards: Articles and Resources
Credit Cards: How They Work and Why They are Important
Credit cards are a reality of modern life. There are over 700 Million credit card accounts open in the United States.
Credit cards have good and bad uses. If used responsibly and with planning, credit cards are very useful. If not managed carefully, it is easy to let credit card debt spiral out of control.
It doesn’t make sense to try to live without credit cards. They are required to rent a car, make a plane reservation or reserve a hotel room.
If you are looking to open a credit card, it can be confusing to select the card that’s best for you. It is important to research what credit card best meets your needs; shopping around can save you money on fees and interest.
How you plan to use your credit cards will help you choose which offer is the best for you. For instance, if you pay off the balance in full you may want to select a card that offers no annual fee or has frequent flier miles, since you will be less concerned with the finance charges. If you carry a balance, perhaps the lowest possible interest rate is the most important factor in selecting the right credit card.
Use Bills.com as your resource to learn all about credit cards. Read questions that other Bills.com readers have sent in about credit cards or Ask Bill your own credit card questions.
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Credit CARD Act of 2009
No more unfair rate increases
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Sticker Price vs. True Cost
Don't waste money by making minimum payments on your credit card.
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Pay Off Credit Card Debt in 3 Steps
Three Steps to Pay Off Credit Card Debt
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Credit Card Offers
5 Tips for Finding the Best Instant Approval Credit Card
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Credit Card Debt Articles -- Pay Off Your Credit Cards
Credit Card Debt Articles
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Pay Off Credit Card Debt – Bills.com
Pay Off Credit Card Debt
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Credit Report Update and Paying Off Loan
How long does it take for credit report to update after paying off an auto loan?
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Bank of America Credit Report
Bank of America put a negative on my credit report. I am buying a house, and want to learn how to clean-up my credit report.
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Loan to pay off credit cards
I am considering a loan to pay off credit cards and to do some repairs on my home which I own. What kind of loan would I need?
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Credit Card Debt Help
Tips on How to Get Credit Card Debt Help
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Chase Credit Card Debt Consolidation
I am Drowning in Credit Card Debt. Chase is My Largest Creditor. Is there a good Chase Debt Consolidation Program?
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Debt Consolidation
Debt Consolidation and How to Consolidate Debt
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Refinance My Home
Help Me Refinance My Home -- What you need to know.
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Debt Relief
Debt Relief Options - Debt Consolidation, Credit Counseling, Debt Settlement and Debt Consolidation Loans
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Get a Loan Overview
Qualifying for a Loan
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Credit Counseling
Credit Counseling Information
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Consolidating Bank of America Debt
My Biggest Debt is With Bank of America. What is My Best Bank of America Debt Consolidation Option?
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Hardship based loans
Need to apply for a personal loan due to financial hardship.
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Government Debt Relief
Government Debt Relief and Grants
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Debt Consolidation Loans
What is the Best Kind of Debt Consolidation Loan?
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Buy a Home with an FHA loan
Learn How An FHA-Insured Loan Can Benefit You, When You Are Looking to Buy a Home.
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Creditors & Credit Checks
Will credit companies approve me before running my credit?
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Change Credit Card Owner
How do I change a credit card so that it is in my name alone?
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Change Banks
Chase denied my credit card application due to a bankruptcy I had 10 years ago. Should I change banks?
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Close a Credit Card
I want to close a credit card. Does closing the card hurt my credit?
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Consolidate Credit Cards in Texas
I own my home free and clear. I remodeled recently using my credit cards, and now want to consolidate. What are my options?
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Payment Protection Plan
I have the Chase Payment Protector Plan on my credit card. I became unemployed recently. Should I use the plan or cancel it?
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Cancel Chevron Credit Card
I have used my Chevron credit card since 1991. Chevron is leaving my state. Should I close this account, and if not why?
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Build Credit Score
I have good credit, but want to take my credit score even higher. How can I build my credit score to the next level?
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Merrill Lynch Credit Card
I didn't qualify for a Merrill Lynch credit card, should I try somewhere else?
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Can A Credit Card Company Sue Me and Take My Home?
Can A Credit Card Company Sue Me and Take My Home?
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Business vs. Personal Credit
If I apply for credit for my business, does that apply to my personal credit?
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Can Consolidating My Credit Card Bills Affect My Credit?
Will consolidating my credit cards negatively affect my credit scores?
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6 Months Behind on Credit Card Payments
I am going through a hardship and have been unable to make any payments for the past 6 months. How bad is an R9 Status?
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Trouble with Promotional Financing
I was late in paying one of my cards with a 0% rate and now the payment is being applied for late fees. How can I fix this?
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Consolidate Credit Card Balances
Would it be better to do a balance transfer and move the balances from all of the smaller cards to one high limit card?
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Close Credit Card Account
Will closing a credit card after i pay it off look bad?
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Close Unused Credit Cards
Will closing unused credit cards improve my credit score?
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Compensation for Creditor Error
Can I sue a creditor for compensation for a reporting error on their part?
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Cancel Credit Cards with no Balances
Is it better for me to cancel credit cards with no balances on them, or keep them open?
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Poor credit balance transfer
I was wondering if it is possible to get a balance transfer credit card with poor credit (low 600s) if so what card would you r
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Close Credit Cards?
Is it better for my credit to close the credit cards or leave them open and not use them?
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0% Credit Card
Can you use a 0% balance transfer to transfer a balance from a credit card to a home equity loan?
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Creditors & Credit Checks
Will credit companies approve me before running my credit?
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Canceling a Credit Card
How do I cancel a credit card and get rid of it?
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+ Are There Advantages to Building Good Credit by getting with a Joint Credit Card
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+ Is There a Rule of Thumb Regarding the Number of Credit Cards to Have?
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+ Should I Transfer a High Credit Card Balance to a Low Interest Rate Card?
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+ What Is the Average Credit Card Balance?
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+ Why do unsecured credit cards for bad credit have higher interest rates?
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+ Annual Fee
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+ Annual Percentage Rate (APR)
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+ Application Fee
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+ Balance Transfer
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+ Balance Transfer Fee
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+ Cash Advance
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+ Cash Advance Fee
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+ Charge-off
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+ Credit Card
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+ Credit Limit
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+ Over Limit Fee
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+ Retail Credit Card
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+ Secured Credit Card
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+ Teaser Rate
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+ Universal Default Clause
Tool Box Easy to use resources to help you find solutions to your money questions

