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What’s the Best Way to Get Out of Credit Card Debt?

By now it should go without saying that being in credit card debt is like plugging a siphon into your bank account. In fact, credit card debt is likely the most expensive debt you’ll ever carry with an industry average 15 percent interest rate. So, what is the best way to get out of credit… Read More

Planning a Home Improvement Project? Use Credit to Maximize Your Savings (the Right Way)

As a family of five with two dogs, we are hard on our house. After living here for eight years, I can look around and think, “I’d really love to paint the house,” or, “This carpet looks gross” or, “What I wouldn’t give for a new dishwasher.” I could also think bigger and plan to… Read More

4 Ways to Build Credit from Scratch

There are three types of consumers as it pertains to credit reports: those who want to build a credit report, those who want to rebuild a credit report and those who want to maintain an already impressive credit report. Building credit is not the same as rebuilding or maintaining credit, and the strategies for each… Read More

How to Attend a Wedding Without Going Into Credit Card Debt

We all know that throwing a wedding is a total budget-breaker. But as it turns out, simply attending one hits your wallet hard, too. An American Express Spending & Saving Tracker survey found that guests plan to spend an average of $592 — per wedding — an increase of 10 percent over last year. And… Read More

Push Your Bank for EMV Chip-and-PIN Debit and Credit Cards

There’s been a lot of buzz about a new type of credit and debit card, already used in Europe called the EMV card (which stands for Europay, MasterCard and Visa, the three financial developers of the new technology), which eliminates the magnetic card strip on the back in favor of an embedded computer chip, coupled… Read More

5 Reasons Why a Credit Card Is Better Than Cash or Debit Cards

In all of my years in the credit industry I’ve never heard anyone use the word “love” to describe a financial services product. That is until I heard someone use the word to describe his feelings toward his debit card. I felt bad popping his bubble when I explained why a credit card is so… Read More

Why There’s No Such Thing As Too Many Credit Cards

John Ulzheimer has 13 credit cards, but he’s never paid a cent in interest, his credit score stays above 800, and he’s never dug his way out of consumer debt. That’s because he knows exactly what he’s doing. Ulzheimer, credit expert at, has over 23 years of experience in the consumer credit industry and… Read More