It is no secret that I love credit card rewards. In fact, they are one of the only reasons that I actually use credit cards. Yes, credit cards help my credit score. But once you reach a certain point, their impact is tiny compared to a mortgage or other loan. But does the risk of…
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It’s no secret that I love credit cards and the benefits that they bring to my life. I have shared almost a half dozen pieces of content on them ranging from why I think everyone should have one to my recommendations on specific cards. Over the last couple of months, I have been receiving more…
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Credit cards tend to have a bad reputation these days thanks to skyrocketing levels of consumer debt. Anyone who has had credit card debt knows how crippling it can be. However, credit cards do have a good side to them if they are used in a responsible manner! Reward programs are the one major benefit…
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One of the first articles on this site was about credit scores. It is absolutely one of the basic necessities of personal finance that for some reason, people just neglect. That article, Save Yourself Thousands by Understanding Your Credit Score, gives a great macro view of credit scores and what all goes into building them.…
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Most people think that having one credit card is unnecessary so when I suggest people have two, their heads explode. Yes, I think you should have at least two. In fact, I have six now and sometime this spring I’ll add my seventh. A little ridiculous? Maybe. Worth it? Absolutely. Later I’ll explain why you…
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It’s been over eight years now since I got my first credit card. It was an exhilarating feeling knowing that a piece of plastic had unlimited amounts of ‘money’ on it. Luckily for me, I was taught how a credit card works and that anything I spent had to be paid back. What I didn’t…
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