When you enter a PIN to pay with your debit card, you help the store save money. In many cases, you also help yourself in the long run. We recently changed how we pay for everyday purchases. Whether we buy groceries or hardware supplies, we choose debit and enter our PIN. We avoid the credit […]

The first phase of the Credit Card Accountability Responsibility and Disclosure Act (aka Credit Card Act) goes into effect February 22, 2010. The new law will require certain disclosures to all credit card consumers. The following disclosures must be present on every monthly statement sent to credit card borrowers: 1.The total number of months it […]

Are you a credit junkie? Millions of Americans are, including our favorite relative, Uncle Sam. We usually think of junkies as drug addicts or drug peddlers, but a junkie is any person who derives inordinate pleasure from or who is dependent on something. For many people, that’s buying things with credit. In other words, spending […]