What should you know about the business practices of credit card companies? How do credit card companies change credit card limits? What reasons do credit card companies give for changing credit card limits? How can you protect yourself when using a credit card? Learn more here about credit cards and your personal finance.
We all should have New Year's Financial resolutions to help guide us in 2012 and improve our financial health during these financial hard times. Are you tired of thinking about your finances? The Great Recession has had a lasting impact on how we think about and manage our money, especially those of us who have [...]
Personal finance resolutions you can make and keep in 2011. Personal finance resolutions for 2011 include: how to make a family budget, how to stick to a budget, pay off your charge card, invest in retirement plans. Make personal finance resolutions in 2011 and keep personal finance resolutions in 2011. Resolutions for 2011 include personal finance resolutions. Savings accounts, budgets, 529 plans and credit rating are part of personal finance resolutions you can make and keep in 2011.
Today on the Clark Howard Show, we'll cover the economy, shopping, and a new scary credit card scam that has made its way to Atlanta. On the Economy:...
Does it hurt your credit score if you close credit card accounts? Credit bureaus monitor how long you've had each credit card in determining your credit score so closing a long-held credit card could have a negative impact. But if you're generally responsible with your credit cards by paying them off every month and thus not carrying a balance your credit score may not drop significantly. It's important to know your credit score when you're applying for a home loan.
If you currently have a credit card with debt and a high interest rate, consider transferring the balance to a lower-interest credit card. Transferring your credit card debt will help you pay off your debt quicker, improve your credit history and increase your credit score. But remember to double-check that your entire balance has been completely cleared after transferring your credit card debt to a new card.
Today on the Clark Howard Show, Ilyce Glink filled in. It was Black Friday (or "bleak Friday," as the Wall Street Journal termed it), and she did her annual Deals of the Day show. She discussed what some people were looking for and put up deals at her blog. She also talked about the three car manufacturers in Detroit and how the president of Ford so far hasn't taken a paycut, despite earning more than $21 million last year. She also talked about consumer spending and how it plunged in October. Check writing scams are on the rise, according to the FBI, and Ilyce ran down how these scams typically work and what to watch out for. She answered calls about bad-apple scooter dealers, credit card interest rates, credit scores, whether it's worth an extra $40,000 to go to a brand-name school over a state school, balance transfers, inheritances, annuities, buying a house with zero down, and whether a credit card purchase would tank a credit score. To find out more, tune into the show. For show notes and updates through the week, check out her blog at www.thinkglink.com/blog , and sign up for her free weekly newsletter on the ThinkGlink.com home page. Check out the videos at www.expertrealestatetips.net. Subscribe to her YouTube channel: www.youtube.com/expertrealestatetips and friend her to be notified about new videos.
Closing a long-held credit card can damage your credit score. Is there a way to close a credit card account without it affecting your credit score or credit history? One option may be to negotiate with the credit card company to switch the account number to a credit card without an annual fee.
Today on the Clark Howard Show, Ilyce Glink filled in. Ilyce discussed the dive in the stock market in the wake of the unexpected high unemployment numbers. The market on Friday started out in another deep dive, but ended the day up modestly. Ilyce also talked about her trip to Italy and how Continental Airlines has decided to charge $15 for the first checked bag. Ilyce answered questions about how many credit cards you need to have active to keep your credit score high, how to improve your credit in the wake of a divorce, how to get a developer to fix a problem with rotting windows throughout a development, whether it is a good time to refinance, how you know if you have been the victim of a predatory lender, how to find a financial planner (and if you should use a free planner from Vanguard or Fidelity), whether CDs will be affected by the FDIC's takeover of Integrity Bank, and what to do if a credit card company has erroneously canceled an account. For show notes and updates through the week, check out her blog at www.thinkglink.com/blog , and sign up for her free weekly newsletter on the ThinkGlink.com home page. Check out the videos at www.expertrealestatetips.net. And be sure to subscribe to her YouTube channel.