Credit and Identity Theft is rising in the United States. 10 suggestions for protecting yourself.

Einstein put it best when he said, "Compounding interest is the greatest mathematical discovery of all time". Now the question you need to ask is, "Do I want this force working for me or against me?" If you own a credit card and you carry-over balances from month to month then you've got that amazing force called compounding interest working against you. In this article, I'll attempt to explain how this "force" works against you month after month after month, in the form o...

The entire American credit card debt is still growing. One of the reasons is the fact that most Americans have from five up to ten credit cards. But do we really need so many credit cards? And doesn?t the number of credit cards you own affect your financial opportunities?

Here are some basic steps to take if you have credit problems.

I certainly can?t blame you if you express disbelief and outright doubt when you read the words low APR credit card. That?s like an oxymoron that?s never going to come true, isn?t it? When did a credit card ever have low APR?

It's no secret why so many Americans are in debt up to their eyebrows. The moment a teenager reaches his or her eighteenth birthday; if not sooner, credit card companies begin sending offers for credit cards. Some of the offers are extremely tempting, screaming promotional and introductory rates of 0% for the first six months, or balance transfer rates designed to help you save money on existing debt. Many first time credit card users are not fully aware of the problems that...

Entering college is both exciting and daunting since it?s the start of your journey to adulthood. College actually opens up a lot of opportunities like finally being able to live independently away from your parents and then being able to budget your own monthly allowance sent by your parents. Most parents open a credit card account in their children?s name or provide them with a second card on their personal credit card account. Parents do this in anticipation of some future...

If you?ve ever experienced financial problems in the past then the chances are that any mistakes you?ve made (whether you know you?ve made them or not!) will be recorded on your credit record. In many cases these mistakes will occur as a result of financial problems you may have experienced ? but often you can get a bad credit history without really doing anything wrong. The majority of problems that will give you a bad credit record will happen if you have problems managi...

Cash back credit cards can generate some substantial savings. That can add up over time.

The best credit cards for you are those tailored to your individual financial needs and objectives with low interest rates and, of course, those for which you will be approved. To find out what you?re looking for, answer the following questions: 1. Do you anticipate any large purchases in the next year (i.e. furniture, appliances, etc.)? 2. How long will do you anticipate keeping the principal of a purchase on your card? 3. Do you want to pay your entire balance every...