Best Credit Cards for You!

Chocolate-covered anything

This gift is as expensive as you want it to be. Find hand-dipped fruit from online sources from a local chocolatier or restaurant. Go even cheaper and bathe the fruit in chocolate yourself. Your Valentine’s not so sweet? Yes, Virginia, you can dip bacon.

This gift’s outlook for the future: I’m sensual and I will at least feed you.

Jewelry

Opening with a diamond is doable. But assume that she’s imagining bigger for every blingy purchase to follow. Look for something that reminds you of a dear or unique quality. Example: Answer her (or his) proclivity for Pirates of the Caribbean over-the-knee boots and rum, with inexpensive black pearl earrings.

Keep jewelry simple and understated until your wallet allows for carat growth. This packs the impact of the little padded box but doesn’t leave you buying the (gasp) engagement ring next.

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Tags: Gift, Gift Ideas

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

Savings Accounts and Money Market Rates provided by 27 January 2011 Its often hard to manage a credit card when youre first introduced to the idea of spending money you dont have. Often times, people forget that the money spent must be paid back – especially when the excitement of a $400 investment in that sweater youve been eyeing at Barneys.

In an effort to help budding credit card users, BillMyParents enables parents to monitor their childrens usage through its prepaid credit card offerings. “People are going to see debit cards as the wave of the future,” the companys chief executive, Jim Collas, told San Diego News. “I think cash is going to fade away. Its a more convenient way to manage cash. Full Post…

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