Credit Card Debt

Credit card debt is a common problem in America. If you have credit card debt, we can help you pay it off by showing you how to create a focused, targeted plan. This information will help you learn how to beat credit card debt and start building wealth.

Careful: 5 Credit Card Scams to Be Aware Of

Identity thieves will do whatever it takes to swindle you out of your hard earned cash. But it doesn’t always stop there as credit cards are also a viable option. In the past few years, we’ve watched as several big-box retailers, including Target and Home Depot, scrambled to make amends with customers who were affected by breaches to their payment…

5 Little-Known Ways Your Partner Can Ruin Your Credit

Planning to move in with your significant other or tie the knot in the near future? There are many exciting discussions to be had, but money matters may not be one of them. In fact, it’s the dreaded topic many couples prefer to stay away from. But doing so can have serious implications for your finances and your credit. Let’s take…

When Should You Get A Secured Credit Card?

Paying off debt impacts you in many ways – both positive and negative emotions arise during your debt payoff journey. I remember when I was paying off debt I felt both shame and pride, frustration and gratitude, and a host of other emotions, including a lack of freedom. Those all tied back to seeing who was responsible for the situation….

5 Easy Ways to Wipe Out Credit Card Debt

Credit card debt is easy to get into and difficult to get out of.  Prior to heading off to college, my mother told me that credit cards could be my best friend or worst enemy. She continued by saying that keeping the balances low and making timely payments was the sound thing to do. Unfortunately, I ignored the warnings and found…

Are You Dreading Your Credit Card Statements This Month?

It’s hard to believe, but the holiday season is over. A new year has started that’s full of opportunity. Whether you call them goals or New Year’s Resolutions, it’s exciting to consider the potential for 2016. There’s one small problem. You had a great Christmas, but it was funded largely on credit cards, thus the problem – the rolling in…

6 Lies About Credit Cards You Actually Believe

When it comes to credit cards, I’ve heard it all. There are so many myths floating around about the magic plastic that you may be tempted to avoid them altogether. Even worse, a lack of knowledge could lead to irresponsible use that could haunt you for years. Unfortunately, I was a part of the latter group and it ended up…

Why I’m Thankful I Had Credit Card Debt

What are you thankful for – family? Friends? Health? What about freedom or a great job? I too am thankful for all of those things. However, I also have something else I’m thankful for that might seem a little odd – credit card debt. Specifically, my credit card debt. Why would I be thankful for something that brought me to…

3 Ways to Use Credit Cards without Racking Up Debt

Credit card debt can be devastating, and hold you back from reaching many of your financial goals. However, that doesn’t mean that credit cards themselves are evil. In many cases, credit cards can be a part of your lifestyle, allowing you to take advantage of free travel and other perks. I regularly fly for free, or enjoy free nights in…

5 Ways to Avoid Debt During the Holidays

Are you a Santa or a Scrooge when it comes to the holidays? If you’re like the average American, you spent around $780 on Christmas gifts last year. But with the majority of Americans having little to no savings at all, it’s a wonder as to how they plan to pay for this expensive holiday season. Before you go reaching…

What Happens If I Don’t Pay My Credit Card Bill?

You’re overwhelmed with expenses and bills this month, and you don’t have enough money to cover the minimum on your credit card bills. What do you do? When you get your monthly statements, you’re thinking of just ignoring some of them this month, but aren’t sure if it’s a good idea. After all, what exactly happens if you don’t pay…