It is generally offered to those who have sub-par credit (which I had due to my Chap. 7 bankruptcy in 2000). The offer I got was 0% for six months on both balance transfers and purchases. I am beyond that period now but another nice feature is 2% cash back on purchases. They even gave [...]
I’ve been searching for a new rewards credit card for the last week since I’ve maxed my Household Bank card ($400 cash back per year). I’ve applied for the Citi Rewards card but haven’t received a decision yet. I may get turned down due to my bankruptcy even though my credit score is now in [...]
I received my $50 bonus for opening the Smart Package Checking account with them. (You had to open a Smart Checking Plus and a Money Market account.) I already had an Online Savings account so I only keep $25 in the Money Market. I’m most of the way through the process of making HSBC my [...]
This is the first post of a series I’ll be doing on government and other public sources of solid financial information. I’ve added a category called Financial Information Resources which will contain all of the posts in the series. I’ll be characterizing and rating the sites based on the type of information they have as [...]
This will be a short note as I am leaving for LA in a few minutes for a meeting with my largest client…
Just wanted to post to say we retired our HELOC debt this week! You may remember my post back in November about setting goals.
I set a goal of paying down our credit card [...]
I originally wrote this a few months ago but only just now finished it. Some of the details in the post may be a little out of date but they were accurate at the time. I’m now working on the next article in the series and will have that up within the next few days.
This [...]
In a recent article at MSN Money, a study found that 1 in 7 (14.3%)Americans own 10 or more credit cards! The average American has 4 credit cards and the average credit score is 674.
Where do you stand? What’s your FICO credit score? How many credit cards do you have? How many do you carry [...]
It’s very refreshing to hear news of a credit card company actually doing something positive once every blue moon. Citigroup, which is the third largest credit card issuer in the U.S., said that it is essentially getting rid of universal default.
Universal default is a clause on credit card agreements where a credit card issuer can [...]
Here’s how you can double your warranty on many items that you purchase. Use your credit card. That’s right. I do disagree with Dave Ramsey on some things (although I agree more than I disagree). Credit cards can be a tool if used correctly and this is one example (out of many examples).
Many of the [...]
Black Friday, the traditional kick-off to the Christmas shopping season, is fast approaching in a couple weeks. I go every year and camp out on Thanksgiving night after dinner. Some of the ads are already out at bfads.net. So far, I’m a little disappointed in the “deals”. But, some ads are not available yet so [...]