balance transfers
Timothy is getting raped with a 24% APR on his credit card and wants help getting it lowered. He writes:
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shopping
Like candy canes and drunken family dinners, gift cards have become a Christmas staple.
Bankrate has reviewed a wide number of them and
published the results to help you pick the best one for your needs. To avoid fees, you should stick with "closed-loop" cards—that is, a card issued by a specific retailer for use only with that retailer. Almost all retailers now offer cards that don't expire and don't charge maintenance fees, with the notable exceptions of Macy's and Bloomingdales, whose cards both expire two years after purchase. However, several retailers—CVS, for example—still charge "dormancy" fees on cards that have been inactive for anywhere from 6 to 24 months, so be sure to check the fine print to see how this is addressed.
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fico
To creditors, you are a walking, talking, three digit number. Creditors use that number, your FICO score, to judge your credit worthiness. A good FICO score can lead to favorable terms, but unless you pay a fee or sign up for a free trial, your score is cloaked in a shroud of secrecy. Until now.
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Consumerist
