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 rely heavily on credit, including the government itself. A “junkie” is not just someone addicted to drugs. The term also describes anyone who depends too much on something. For many people, that dependency comes from using credit to buy things they cannot afford. Credit feels harmless at […]