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My credit card is about to raise my APR from fixed 7.99% to variable 29.99%, what should I do?

By on Friday, September 24th, 2010 | 3 Comments

I am currently on a 7.99% promotional APR rate that will expire in October. But instead of defaulting to variable 15.99%, I received a change in terms letter that states that my account will default to a variable 29.99% rate instead. It is not fair, my payments have been on time for the past 15 [...]

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How many credit cards should I have?

By on Friday, September 24th, 2010 | 11 Comments

I am new to the world of credit! I currently have 2 credit cards from Bank of America and Wells Fargo for 2 months. Should I still apply for another one or two or three?? If so, what’s d’ best credit card for the people whos just starting building credit. Related Credit Card Sites The [...]

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What happens to your credit score when you cancel a credit card?

By on Friday, September 24th, 2010 | 5 Comments

say you are in good staying, never was late. always payed the balance. but you have too many credit cards let’s say. so when you cancel that credit card. what happens to your credit score? Does your credit limit you had for that card get erased from the records? after all those years of building [...]

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understand credit scores?

By on Thursday, September 23rd, 2010 | 8 Comments

Ok, so I am just learning more about credit, I know I have a lot of debt due to student loans and worst part is the loans didn’t always cover everything so I have two credit cards too. I did one of those thing they give you an estimate of what your credit is and [...]

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