Using Credit Cards - Credit Reports & Scores Articles
Welcome to the Credit Cards and Credit Reports.com artricles archive. The main informational articles here are sectionalized into four categories:
Credit Card Basics: This is your introduction to the most basic facts about plastic. A starting point to orient yourself even before selecting a specific Visa, MasterCard, Discover or other offer. Understand what standard terms and jargon mean.
Credit Cards in Depth: This is the section for learning how to manage cards. Keep your financial house in order, or else, if it is in dissarray, get helpful pointers on how to fix things corrctly.
Credit Report Basics: It seems so simple, but there are some nuances to understanding this topic that one must get right quickly. The key is learning what it takes to have a good credit history and to keep it that way.
Credit In Depth: Here, we have information for protecting your credit profile and how to recover from damage to this. many articles have links to external resources which offer additional advice and helpful services.
Further below, we also list specific Offers that we have reviewed.
Credit Cards: Basics
> Balance Transfer Cards
It's a popular activity to look for these and to switch from a high interest account to a lower interest one. Here is what you need to know.
> Credit Cards for Bad Credit
The subprime crisis is creating a downward spiral for many people who are now making the mistake of looking for easy credit through some of these offers. Be careful! Learn which types of cards to avoid.
> About Student Cards
Obtaining one of these is a basic right of passage. Many good and favorable offers available. Start here and be on the road to good personal financial health.
> Gas Rebate Credit Cards
The present downturn in the economy and the reality of high fuel prices have made these offers very popular. We take a look at the advantages of these and review specific favorable offers.
> Credit Cards for Poor Credit
We distinguish between secured credit cards and the now popular subprime unsecured offers, some of which come with wildly exploitative rates and fees.
> Cell Phones as Credit Cards
Keeping up with technology: the trend towards transferring basic financial services to the all-powerfull cell phone.
> Prevent Credit Card Fraud
A massiv societal problem. Credit Cards are so convenient and used so pervasively that the opportunities for fraud are many. Know what you can do to be safe and know how safe you can expect to be when others who have your personal information.
> Secured Vs Prepaid Cards
Both are easy to obtain and provide the convenience of use of plastic at places which take card payments. But there are major advantages to one over the other.
> Those Preapproved Credit Cards
They are everywhere and you've had your fill of those offers in your mailbox. Is there more to worry about than jus tthis minor nuisance? What should you be careful of?
> The FICO Credit Score
There are different algorithms for calculating a score. Why is this the one you see used the most? What exactly is FICO?
> Check Your Credit Report
You are told you need to do this and you see offers to have these done everywhere. But you've also heard that doing this the wrong way can have negative effects. What is the real answer?
> Credit Reports: A Primer
A look at the history and origins of this now indispensable part of your profile. What's in it and who is allowed access to it?
> The Federal Trade Commission
The consumer's best friend, this federal organization puts your tax dollars to use safeguarding your personal financial interests and keeping in check those who can cause undeserved problems for you.
> The National Foundation for Consumer Credit
A non-profit consumer agancy with affiliates spread throughout the country. An immensely useful organization which is a needed alternative to those credit repair companies you see advertizing all over.
> Life Lock: A Closer Look
Has burst on the scenewith an audacious promotional campaign recently followed by some controversy. We take a look at an industry upstart.
> Raise Your Credit Score
This has to be done with care. No gimmicks here. How to reorder your personal financial habits to gradually cause this to happen organically.
> Understanding Credit Scores
They are derived from algorithms which differ from company to company. What does a particular score mean and who exactly values this particular number over an alternative number from another company?
> Coping with Collection Agencies
They can be a trial. But as a consumer, you have protections and rights that these companies are in no hurry to tell you about. Find out what these are and where to get more help if you need it.
> Credit & Debt
There is such a thing as good debt. But you have to be careful. Debt should generally be used to obtain more wealth, not for irresponsible spending or short term financial damage control. Learn what useful and inadvisable types of debt are.
> Fix Your Own Credit Problems
A step by step guide. Know your rights and avoid companies that charge you a lot of manoey for things you can do yourself.
> Washington Mutual
Offering both a checking account and a savings account as well as the popular ESPN Credit Card.
> Disney Reward Card
From Chase Manhattan. This card is perfect for families with younger children. Versatile rewards program.
> Capital One (Page 1)
Capital One offers a wide array of cards, most notably its No Hassle line of consumer plastic. We look at the most popular of these.