A Portfolio of Credit Cards for Specific Purchases?

Jenelle wrote in recently and described her way of using credit cards: Unlike your advice to minimize your credit cards, I actually have eight open

The Credit Card Debt Holy Wars

One of the most frequent negative comments I get on The Simple Dollar relates to credit card usage. I often advocate using credit cards for

Should You Cancel Your Unused Credit Cards or Not?

On a fairly regular basis, I suggest to my readers that they cancel unused credit cards except for their oldest one. In fact, I often

Considering Cancelling Credit Cards? Read Our Tips.

I often get notes from people who have a small mountain of credit cards. They’re trying to figure out which ones they should keep and

The One Hour Project: Reduce The Interest Rate On Your Credit Cards

This is something that’s well worth doing if you have consistently carried a credit card balance in the past and have never requested a rate

7 Credit Card Companies Nifty Tactics

I am constantly amazed at the creativity of companies that offer credit cards. They use a wide diversity of tactics to appeal to people and

The Real Scoop On Rewards Credit Cards

Tammy wrote in with the following story and question: I recently got an offer in the mail from Sallie Mae, whom I currently have huge

Building Credit Discussion: Cancel Cards Or Not?

In response to my two recent posts on building credit (getting credit without a credit card and building up credit), Konstantin writes in and says:

Personal Finance 101: Getting Credit Without A Credit Card

Tips and Alternative Solutions to Building Credit Mark writes in and asks: I’m 18, and recently applied for a credit card at Citibank. They rejected

What’s In My Wallet? Two Credit Cards I Actually Use

Over the last few weeks, several people have written to me asking about the credit cards that I actually use. I use two of them,

Finding The Best Credit Card Offers For Your Situation

I often get emails from readers asking me what the “best” credit card offer is. I write back and say there isn’t one, which I’m

A Reader On The Cusp Of A Great Credit Rating

A reader recently sent in this question about her boyfriend’s credit, which seems to be on the cusp of being quite good. My boyfriend was

Most Frequently Asked Question: Pay Off Debts Or Invest?

Over and over and over again, readers ask me some variation on this question: I have $1,000 in my hand. I am trying to decide

Credit Card Companies & High Rates

We are at that very point in time when a 400-year-old age is dying and another is struggling to be born — a shifting of

Dave Ramsey vs. Suze Orman: Which Plan For Dealing With Debts Is Best?

Recently, AllFinancialMatters posed the following question: which method of getting out of debt works better, Suze Orman‘s or Dave Ramsey‘s? Here are the compared plans:

Five Minute Finances #2: Call Your Credit Card Company

Five Minute Finances is a series of tips on how you can save significant money or reorganize your financial life in just five minutes. These

Edward Bellamy, Inventor Of The Credit Card

One might have expected that the person who unleashed the credit card on the world would have been a captain of finance, an individual who

Why Store Credit Cards Are A Bad Deal

I used to have a big pile of in-store credit cards for various chain stores. I would go into a store ready to make a

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