Quick Credit Cards

Credit cards are the ultimate convenience for many individuals. However, they have also proven to be quite a nightmare for millions of other consumers.

There are a number of ways to meet your financial obligations and still manage your credit cards successfully; you must, however, be committed to a number of obligations if you expect to enjoy the many benefits of credit cards.

1. Always make a point to establish an emergency savings fund so that you won’t have to rely on credit cards if an unexpected expense creeps up. Putting a large purchase on your credit card may make it incredibly difficult to pay off, thereby setting you up for long-term debt.
2. Always take a moment to question your purchase so that you can decide if you are living within your means. A

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Q: When checking out today at their store I was asked if I wanted to fill out a Pottery Barn credit card application. I don’t like feeling pressured, so I took the pamphlet home with me. It looks like it has good rewards! Would you recommend this credit card?

A: Pottery Barn is an excellent store to pick up home furnishings. While they make great stuff, unfortunately it’s rather pricey… so any sort of rewards program would definitely be nice!

In a nutshell here is the Pottery Barn credit card rewards program:

• For every $250 spent at their stores, you get a $25 rewards certificate that can be redeemed via store, catalog, or website purchase at Pottery Barn, Pottery Barn Kids, and PBteen.
• The reward certificates are issued with your monthly statement and expire 180 days from the date they were issued.
• Reward certificates cannot be sold or transferred. If th

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We all know credit card companies do their best to charge as many fees as possible. After all, it’s how they make money. From late payments to interest on outstanding balances, credit card fees can really add up.

When was the last time you combed through a statement to see exactly what types of fees you are paying? You might be surprised by the charges. The following are 5 credit card fees you may not have known you were paying:

Hidden Credit Card Fee #1: Interchange Fees

One bank will charge another bank a fee as a way to cover handling costs and credit risk associated with a credit card transaction.

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Filing for bankruptcy is usually a last resort for people who have found themselves in a financial hole. Just the word bankruptcy sounds scary because of all the negative connotations that come with it. People tend to think that bankruptcy carries carries so much weight that their financial future is doomed. This is not really the case. After all nothing lasts forever, even bad credit. There are ways to improve your credit after bankruptcy with a little bit of knowledge and a lot of patience. It doesn’t matter what got you to the point of filing bankruptcy, whether it was misusing credit cards, a divorce or illness, the point is you can recover from it. T

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