Ready to reduce your debt? We can help you lower your monthly payments! Get started online or Call 800-497-1965

Should You Open a Store Credit Card Just to Get a Discount?

If you’ve ever been shopping at a major retailer, you’ve probably had a cashier offer to sign you up for a store credit card with the promise of saving you money on your purchase. These offers are hard to miss because most stores are trying to meet a quota of new credit card sign-ups, and […]

A New Generation of Credit Card Debt: Gen Z and Credit Card Use

As Gen Z-ers enter their twenties there has been a dramatic increase in their credit card use. At 31.4 million strong, credit-eligible Gen Z-ers make up 40% of all consumers in the United States. This influx of new spenders has reinvigorated the credit card industry after the lull it experienced when millennials were coming of […]

5 Mistakes to Avoid When Consolidating Credit Card Debt

Consolidating your credit card debt can help simplify your monthly payments and fast track you to paying off your debt. Unfortunately, there are a few things that can derail your progress. If you are considering debt consolidation for your credit cards, make sure you avoid these mistakes. 

Transferring a Credit Card Balance to your Partner

There are several ways to transfer responsibility for a credit card balance from one person to another. While someone could certainly pay your credit card debt on your behalf with a bank account, transferring ownership of the debt itself is more complicated. In order to address the mechanics of transferring a credit card balance to […]

Pros and Cons of a Credit Card Balance Transfer

A balance transfer credit card with a low or no-interest introductory period could help you pay down your principal and save a lot of money in interest. Considering all the pros and cons of a credit card balance transfer will help you make an informed decision about this option.

What To Do When You Max Out Your Credit Card

Maxed out your credit card? It’s OK. It happens. The important thing is to understand the consequences and find out what you can do to get the debt under control. The immediate impact of maxing out your card depends on your current financial situation.

6 Times It’s OK To Max Out Your Credit Card

It’s the cardinal rule of credit card use: “Whatever you do, don’t max out your credit card.” It’s good advice, but there are always exceptions to rules. Remember, maxing out your credit card is risky if you won’t be able to pay down the balance fairly quickly. 

Should You Save For Retirement When You Have Credit Card Debt?

Making smart decisions with your money requires you to juggle multiple financial goals at the same time. That’s why we know that saving for retirement often goes hand in hand with managing your debt. If you are contemplating how to save for retirement when you have credit card debt, this blog will cover many common […]

How Do Credit Card Companies Make Money?

Updated July 2020 Using a credit card is a great way to establish credit and can pave the way for more advanced borrowing like a car loan, personal loan or mortgage. Unfortunately, not all credit cards have good terms and some cards come with extra fees and penalties that can be costly to the unsuspecting […]