Credit Card

Keep Getting Credit Card Offers? How to Evaluate

Keep Getting Credit Card Offers? How to Evaluate

Are you getting lots of credit card offers in the mail? Wondering which ones are good and which ones are, well, not so great? Here’s a deep-dive 7-point inspection you can do for each card offer you get to decide whether it’s worth applying. Before we dive into the... read more
What Is a Minimum Payment?

What Is a Minimum Payment?

If you have mounting credit debts, you have likely become familiar with the minimum payment. But what does making the minimum payment really mean, and what happens when you are unable to make it on time? Let’s look at how minimum payments affect your bottom line. What... read more
Understanding Credit Card Fees

Understanding Credit Card Fees

Each time you use a credit card, you are going to pay a fee for the privilege. But what are the different types of fees and which ones should you try and avoid? Let’s look over credit card fees and how they can affect your budget. Finance Charges or Interest Fees If... read more
Credit Cards vs. Debit Cards: What’s the Difference?

Credit Cards vs. Debit Cards: What’s the Difference?

In today’s world it is almost impossible to make it through the day without needing to use a card to make purchases. But all cards are not equal. While credit and debit cards may look nearly identical, there are major differences between the two. Let’s take a look at... read more
Understanding Credit Card Rewards

Understanding Credit Card Rewards

Developing good spending habits and learning new ways to manage your money are important parts of overcoming debt. While looking for new ways to approach spending, you may be tempted by credit card rewards. Let’s find out if these cards are worth it in the long run.... read more
Credit Forgiveness Programs

Credit Forgiveness Programs

Credit forgiveness programs sound pretty simple, but they often come with consequences that catch people off guard. Understanding what credit forgiveness entails will help you make an informed decision when trying to tackle debt. What is Credit Forgiveness?... read more
Fixer Uppers vs. Move-In Ready Homes

Fixer Uppers vs. Move-In Ready Homes

Move-in Ready Homes There are two main reasons you’d need to buy a place that is ready for you to move in. FHA (Federal Housing Administration) loan restrictions Basically, you can’t buy a true fixer-upper with an FHA loan. There are provisions that exist to protect... read more
The Dangers of Only Paying the Minimum Payment

The Dangers of Only Paying the Minimum Payment

Most credit cards make you pay a minimum payment every month to keep your payment schedule current. This minimum is typically an amount based on a percentage of your balance but can be a fixed amount. If your wallet is tight, it can be tempting to only pay the minimum.

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Financial Reboot: New Year’s Financial Planning

At the start of every new year, many make resolutions to better themselves in the upcoming twelve months. A favorite new year’s goal for those living with debt is to transform their financial situation for the better. The goal is admirable in theory but... read more

Managing Credit Card Debt in Retirement

It is increasingly likely that many Americans will enter retirement with some form of credit card debt. The average credit card debt among U.S. households in 2017 was $6,375, with the average credit card debt of those just entering retirement age at $7,550, according... read more

Unemployment & Credit Card Debt

There is never a good time to lose your job unexpectedly. When paychecks stop, regular payments that seemed manageable can quickly feel insurmountable. Those who suffer from the growing weight of credit card debt have an added anxiety. Each missed payment creates more... read more

Using A Credit Card For Car Down Payment

Purchasing a car unlocks the open road, and with that, a whole new world of possibilities. Your vehicle may give you a sense of freedom, but it can also trap you in debt. An automobile purchase is one of the largest investments in many consumers’ lives. It should be... read more

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Also See…

For more information on debt consolidation, please visit:

Why Choose CreditGuard? Learn what sets our debt consolidation services apart from the rest and how we can help you take control of your debt.

The Ultimate Debt Survival Guide. Need some practical advice for dealing with debt? You’ve come to the right place. This free downloadable guide can teach you the basics of managing debt (and more).

Is Debt Settlement a Good Idea? Debt settlement and debt consolidation are not the same. Learn more about the process (and consequences) of settling your debts before going down that path.