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Financial Literacy

Types of credit cards: A comprehensive cheat sheet Written by Dawn Papandrea Choosing the best credit cards for your wallet is a strategic way to save money, score perks, and build a strong credit profile. But like most things these days, consumers have a ton of choices when it comes to plastic preferences, which is why it's important to evaluate your options. "People don't realize how much credit [...]
In the military? 5 ways to protect your finances while protecting our freedom Written by Jennifer Goforth Gregory Military families have many worries that other families do not have. And a recent study from National Federation of Credit Counseling of active duty military personnel showed that military families have one more worry on their plate -- financial instability. The survey showed the 77 percent of respondents have financial worries and 55 percent feel [...]
Processors vs. issuers: What consumers should know Written by Dawn Papandrea Believe it or not, whenever you use your credit card, there is a lot going on behind the scenes of each transaction. While a lot of it might seem as exciting as reading a legal document, it does benefit you as a consumer to understand the major players involved in your financial business. Here, we break [...]
What type of credit card user are you? Written by Justin Boyle You may not give much thought to how you use your credit card, but your issuer sure does. Credit companies know that you fit into one of three distinct credit card personality types. Here's a rundown of all three. Type 1: the Revolver Let's get this out of the way first -- if you're a Revolver, your [...]
How long do I save my credit card statements? Written by Jennifer Goforth Gregory Now that the holidays are over and a new year has begun, many people are using the time spent indoors on chilly winter days to declutter and organize paperwork in preparation of tax season. Before you pull out the shredder, it is essential to understand what papers and statements you need to save and what [...]
Can credit cards help you stay on budget? Written by Holly Johnson In the third quarter of 2013, total household indebtedness in the U.S. rose to an astonishing $11.28 trillion dollars, up 1.1 percent from the previous quarter. And, according to government data and Federal Reserve statistics, $4 billion of that increase can be attributed solely to credit card debt. So, what does this tell us? It [...]
4 ways to prep your finances prior to retirement Written by Lucy Lazarony Would you like to retire in about five years? Prepping now will lead to smoother financial sailing during your long-anticipated retirement years. Here are four ways to prepare your finances for your fast-approaching retirement years. Credit cards Don't lose money that could be used for your retirement on high-interest credit card debt, advises Kathleen Campbell, a certified financial planner [...]
Who's in your wallet? Written by Richard Barrington When you share a credit card with someone, you are effectively giving them access to your wallet and your reputation. You need to be careful about who you grant that access to, and what they are doing with it. On behalf of CardRatings.com, survey company Op4G asked 2,000 adults about their credit cards. The answers give [...]
Is debt a four-letter word or a good financial strategy? Written by Jennifer Goforth Gregory Many people assume that all debt is bad while other people have a wallet full of maxed-out credit cards. Interestingly enough, debt can be either a positive or negative, depending on the type of debt and your personal financial situation. "Unless you are independently wealthy, win the lottery or live a poor man's lifestyle by choice, [...]
Plastic youth: When is it too early to give a kid a credit card? Written by Richard Barrington Kids and credit cards. Does that seem like a dangerous mix to you, or simply a normal part of the modern world? Parents have very different views on the subject. An exclusive survey of 500 parents with children under the age of 12, conducted for CardRatings.com by Op4G, found that some parents believe it's best to [...]

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