get out of credit card debt advice….”pay it off”. give me a freakin break.

We have all seen them or heard them.
The financial “experts” out there who either post a podcast or blog entry who give a few bullet points of how to get out of debt.
I am not saying that these people are not bright or trustworthy….in fact, I guarantee most of them know more about money than [...]

instant approval credit cards scam? or just symantics

You see them often…..on PPC ads, banner ads, organic listings, etc “Instant Approval!” 
I am referring to the Instant Approval Offer you see for credit cards everywhere.  
Well here is the truth. 
The percentage of people that can get this “instant approval” is less than 20%……& I am being generous.
Let me tell you what I am not saying. 
These [...]

is that a credit card in your pocket or are you…..?

The numbers range all over the place, some say the average American has 3 credit cards, some say 8?  The bottom line, is that the average American has too many credit cards.  Dont get me wrong, I love credit cards, we use them all the time.  But like anything, they have to be used wisely.  [...]

Discover Credit Card no longer has capped balance transfer fee

The title says it all.  This doesnt make it a bad card, but if you read some previous reviews or go to some other websites, you might see some conflicting info.
Bottom line; In october, Discover credit cards took out the $75 fee cap.  the fee is 3% is is fairly standard.  This is still a [...]

prime rate goes down again, good for credit card holders

As of October 29, 2008 the Federal Reserve has lowered Prime Rate to 4.00%. 
How does this affect you.  When you see a credit card offer that says “prime + 4.99%” , you know your APR is going to be (as of oct 29) 8.99%.   Not bad.  some of these cards can be hard to apply for, [...]

Hey Federal Goverment! Pay my credit card bill.

the government WONT help you get out of credit card debt. roll up your sleeves & get out your self