Often times, the more purchases you make with your credit card, the better the rewards are. But, that doesn’t mean all purchases should be done with your credit card. For example, utility bills. Many utility companies will allow you to link your card to your account so you can make payments easily and automatically. It…
Although credit cards can be a great convenience to have, there are some things most companies do that are a downright headache for consumers. A prime example is billing disputes. If after looking over your bill, you decide that you want to dispute a transaction, there can be a lot of back and forth with…
It can be hard to resist a store credit card offer. At first they may seem wonderful with all of the savings they promise, but there are cons to having one that every shopper should look out for. For one, you should only sign up for it when it really counts. That would be when…
With identity theft running rampant, it’s important to be on your toes when it comes to your credit. You need to be aware of what lines of credit are being opened in your name, including credit cards. Finding out if and when a person has opened a line of credit in your name can be…
Are you throwing a lot of money at your credit card debt, but aren’t seeing a difference? This is common where the borrower may be making the monthly payments on time, but still seeing a high balance. Most of the money you’re paying is going directly towards interest. That’s why it can take years to…
As a credit customer, it’s easy to feel like your credit card company is a dictatorship. Whatever they say goes and you’re lucky you’ve even been allowed to use “their” credit. Did you know that as the customer they actually want to keep you satisfied? You’ll be surprised to what they may agree to, if…
Student loans are a looming part of higher education that gives most prospective students a headache before they’ve even started the application process. Alas, prospective and former students rejoice—here are some tips for paying off your loans quickly. Know what you’re getting into. Make sure you read up on your loan and the interest rates…
A 401(k) loan is an easy and cheap way to borrow, and although that may be enticing, it’s also an incredibly risky move. These types of loans have incredibly low interest rates, meant to grab those seeking out a loan’s attention. The Detroit News says, “If you stop your 401(k) contributions to repay the loan,…
Wells Fargo is joining the other U.S. banks that now give low down mortgage payments, offering home loans of up to $417,000 with a three percent down payment. Loan takers will need good credit (FICO scores of 620 and higher) to be eligible for a loan, but Wells Fargo is allowing people with higher debt…
Alaskan utility customers may soon find a pleasant surprise in the form of loans. For energy efficient upgrades and adding renewable energy systems, they will be paid back through their monthly bills. Known as “on-bill financing,” this is already done throughout the country. Gov. Bill Walker signed a bill into law to suspend service to…