The Upside of using a Credit Card versus a Debit Card

Posted by maira | February 7th, 2012 | General Information, Help & Tips

If you had the option to use a credit card or a debit card to make a purchase, which one would it be? Many may choose to swipe their debit card for the mere fact that you don’t have to worry about paying off an outstanding balance in the near future. But, believe it or not, a credit card may actually be the better form of payment. Let’s explore the reasons why… Read Full Story

Advantages of Secured Credit Cards

Posted by CardOffers.com Staff | August 28th, 2009 | General Information, Help & Tips

One of the options available for consumers today is known as the secured credit card. Credit accounts of this type are different from the usual or unsecured credit cards that most consumers carry. With a secured account, the cardholder establishes a savings or cash account with the entity that issues the credit card. In return, the card provider issues a credit limit that is equal to a percentage or the… Read Full Story

Settling Credit Card Debt

Posted by Tracy Kerscher | July 29th, 2009 | Help & Tips

If you are having difficulty paying your credit card debt, there are some options that can save you some money and end the dreaded phone calls from creditors and collection agencies.

Once you realize you will not be able to make your monthly payments, you should immediately contact your creditor. This shows good faith on your part and the creditor, in turn, will be more willing to work with you. It is always better to work out an agreement with your creditors before you miss a payment in order to prevent them from reporting negative information to the credit bureaus. Read Full Story

How to Get a Credit Card with a Poor Credit Rating

Posted by CardOffers.com Staff | July 25th, 2009 | Help & Tips

With a rising number of people experiencing credit woes, where are they to turn for a credit card? In the past, it was difficult to qualify for a reasonable credit card offer with a poor credit rating. Most people with a low credit rating were stuck with a secured credit card, which requires a deposit for use, or a card that had a very high variable interest rate associated with it. Neither of these options are ideal. But in today’s world, there are actually poor credit credit cards designed for these specific users that offer reasonable deals. Not only are these deals getting better, but they can also be a good way to start rebuilding a positive credit history. Read Full Story

How I reduced my interest rate by 9%

Posted by Koki Mourao | July 24th, 2009 | Help & Tips

A true tale of credit card rate reduction. Call your issuer, play nice and get rewarded. Read Full Story