Maximum Return on Your Credit Cards

Most credit cards now offer reward points, cash back, 0% transfers, credit monitoring, discount gasoline or money-market savings.

By: Francis Kier
There has been an explosion of credit cards that specialize in certain benefits over the last five years: reward points, cash back, 0% transfers, credit monitoring, discount gasoline, money-market savings, etc. So how do you get the most return from your card, particularly when their plans change?

(Presuming you never, ever carry a credit card balance – interest charges and potential fees will more than consume any side benefit that a card can offer.)

In the old …

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Using Credit Wisely

Be knowledgeable about the cost of credit. Are you using the right type for your purpose? Are you using a more expensive form of credit than necessary?

By: Canadian Bankers Association

It is sometimes easy to forget that you have to pay for what you buy. Here are some guidelines for keeping control of your financial affairs and making credit work for you, not against you.

* Make a budget for yourself and stick to it. Make sure that you know what is coming in and what is going out. That way you will avoid nasty surprises.

* Comparison shop …

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The Importance of a Household Budget


Take care to maintain your budget sheets; add or remove costs as they occur, and keep paying off the payments on credit cards and other debts.

By: Louise Tillotson

No matter what your current financial situation, it’s worthwhile managing it carefully. Creating and maintaining a household budget may sound complicated, but it’s easy once you know how, and is a very good habit to have.

Why have a household budget in the first place?

We all have a steady amount of cash each week or month to spend, but it’s what you do with this cash that can …

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What Everybody Ought to Know About Gold and Platinum Cards

If you’re looking for credit, be wary of some ‘gold’ or ‘platinum’ card offers promising to get you credit cards or improve your credit rating.

While sounding like general-purpose credit cards, some ‘gold’ or ‘platinum’ cards permit you to buy merchandise only from specialized catalogues. Marketers of these credit cards often promise that by participating in their credit programs, you will be able to get major credit cards (such as an unsecured Visa or MasterCard), lines of credit from national specialty and department stores, better credit reports, and other financial benefits.

Rarely, however, can you improve your credit rating or …

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