If we can just pay off all of our credit card monthly charges before they fall due, we certainly would do so to avoid paying exorbitant interest rates. Unfortunately, most of us cannot afford such concessions. Thus, we go for the next best thing: a low rate credit card. Read the rest of this entry »

Why do I say that your credit card payment is the most important? Aside from the obvious reason that you need good payment management habits to avoid getting dragged into the debt pit, a good payment practice will also save you thousands of dollars in interest rates and penalty charges. Read the rest of this entry »

It is possible to find the lowest interest credit card through credit card comparison. However, comparison sites may not readily dish out to you whether or not these lowest rates will remain the same in the coming months. There are several reasons why rates change. It pays to know these reasons so that you can look out for them when shopping for credit cards. Read the rest of this entry »

Getting your first credit card is akin to an ancient tribe’s right of passage symbolizing a child’s transition to adulthood. Rather than facing the fear of darkness and the wild, the modern adolescent will face the responsibility of learning the fundamentals of credit and debt management. Read the rest of this entry »

Hate queues and long waiting times? Lucky for you that a credit card application can now be accomplished online. With this method, credit card approval is decided mere minutes away from submission. Some major credit card providers even guarantee a decision in less than 60 seconds – less than the time it would take you to turn on your computer! Read the rest of this entry »