Category Archives: Credit Tips

Credit Counselor Certification

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With the recession still in full swing, the unemployment rate still extremely high and the competitive nature of the current job market a personal financial professional should look at new ways to expand his or her horizons, adding a credit counseling certification to your tool belt could be very helpful in your career as a personal finance professional.

Whether you are a bankruptcy attorney or a certified financial planner having a certified counseling certification could help you assist your clients secure a strong financial future. You never know when you’re going to need something so useful, and with millions of Americans in deep credit card debt there is a strong chance that you’re going to need this certification as some point in your career.

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Credit Card Debt – Stop Using Credit Cards If You Can’t Handle It

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Credit card debt is a major problem in the western world especially in America, people are caught up with making purchases that are not practicable as a result inviting their worst enemy – debt. Are you aware of families that have broken up or individuals going into depression because their debts accumulated to a point where their paycheck couldn’t even cover the interest rate?

In order not to become a victim and even if you are one, this article is aimed at exposing you to ways of managing your debts to establish a strong financial standing.

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Pro’s and Con’s of the Prepaid Visa Rush Card

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If you are interested in applying for a credit card, the Prepaid Visa RushCard is my choice hands-down. The benefits of having and using a Prepaid Visa RushCard are numerous and I am going to share the reasons why the RushCard is better than other credit cards.

We have all been in situations when we are at the register, and the employee behind the register invites you to apply for the store credit card. If you don’t already have the store credit card, the first thing they say is that you’ll get a certain % off your current purchase if you apply and get approved for the store credit card.

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Do You Know the Secrets to Credit Card Reduction? Find Out How You Can Get Out of Credit Card Debt

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Many of us tend to forget how valuable we are as consumers and customers after we start having trouble with credit card debt. The truth is, by attempting to negotiate a credit card reduction plan with your lenders, you are increasing your worth to them. The old adage, “As long as I owe you money, you’ll never be broke” applies. It is common for people to experience trouble managing credit card debt. It is less common for people to responsibly try to solve it. Credit card companies would rather you attempt credit card debt reduction rather than walk away from the debt or file bankruptcy. It saves them the cost and time of filing a legal suit or having to deal with bankruptcy courts.

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Smart Credit Card Use for College Students

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Before any student is offered a credit card; it should come with valuable lessons to preserve their credit rating and financial stability. Unfortunately, students are one of the target demographics of credit card companies, as they are inexperienced and many students will max out their card before they receive their first bill!

How can you ensure that your son or daughter uses their card responsibly before jetting off to university or college? First, ensure they realize the true cost of owning and using a credit card. From annual fees to interest rates, numbers mean everything.

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