Best Credit Cards for You!

Paying your bills with credit cards can be a convenient way to stay on top of what you owe. In most cases you can even increase your cash-back earnings on your rewards cards with your bill payments. Before you link your credit card account to all your utility bills, though, be sure to consider the pros and cons of paying your bills with credit cards.

Pros of Paying Bills with Credit Cards

Consider these benefits of paying your bills with your credit card

Automatic payments give you fewer bills to fill out each month. This can be great if you travel a lot or just have a lot of other things to juggle in life.

Avoid worrying about services being turned off or interrupted coverage since you’ll never miss a payment.

Paying online can be quicker and easier than filling out a paper bill and putting it into the mail.

Rewards points can add up faster when you put your utility bills on your credit card.

Cons of Paying Bills with Credit Cards

While putting bills on plastic can be rewarding, there are also certain risks to consider

Autopay gives your credit card information or bank account info to the company issuing your bill.

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Tags: Cards, Credit Cards

Dear Creditnet: I need some expert advice. My credit score is in the low to mid 500?s…sad i know!

I have 7 credit cards that I use all the time, but they have low limits under $1,000. My work is commission only too, which often causes me to make late payments and then get hit with big fees.

How can I better manage my credit cards and improve my credit scores?

Answer: Since your work is commission only and it sounds like you experience fluctuating income from month to month, I wouldn’t recommend using credit cards for all your daily expenses at this point. At least not until you have enough saved in the bank to cover several month’s worth of purchases.

An important part of responsible credit card use is to treat your card like cash.

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Tags: Credit Card, Use

There has been both good and bad news for consumers that are looking for affordable credit card deals over recent years, it has been revealed. Credit cards have become increasingly popular over the years, with more and more people using them not just for luxury purchases and emergencies but also for everyday purchases. Over recent years the choice of cards has expanded, and more and more perks have been introduced to tempt consumers in to opting for particular cards.

The good news for those that are looking for a credit card is that the choice of deals is far more impressive than it used to be. This means that consumers are more likely to find a card that is suited to their needs. It is also far easier to browse and compare credit cards these days, with most providers offering some competitive borrowing deals online, enabling users to find the right card from the comfort and privacy of their own homes.

However, there is also a flipside to the coin, and this is in terms of restrictions on borrowing that have been put into place over the past few years.

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Tags: Card Deals, Credit Card, Credit Card Deals, Deals

We’ve all heard the horror stories. In fact, you’re sure to know a handful of friends or relatives who’ve racked up an eye-popping amount of credit card debt while in school, and now they’re paying dearly for it.

As a college student, you may be feeling as though you don’t want to get involved with credit cards at all. And while there’s a good case to be made for avoiding credit cards at a time in your life when you might be especially tempted to rack up debt, there are also many advantages to using credit cards wisely during the college years.

If you’re responsible with your credit card by paying off the balance in full and on time each month, then you’ll be able to quickly build a great credit history before you even get out of school.

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Tags: 10 Credit, Credit

There are many different rewards based credit cards around these days, with cards offering everything from air miles and reward points to discounts and travel rewards. There are also cards that offer a percentage of cash back on all purchases that are made on the card. Generally the percentage is only low, such as 0.5 percent or 1 percent of the purchase value. However, when used properly these cards can prove lucrative for the cardholders.

The idea behind cash back credit cards is that you use them to make purchases as much as possible. However, you need to make sure that you repay the balance in full each month within the interest free period. This means that you will not be charged interest on your borrowing, but you will still earn cash back for the various purchases that you make on the card.

If you tend to use your debit card or cash to pay for everyday purchases such as petrol, food, travel, etc.

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Tags: Card, Card Right