Things to know before getting a credit card

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Between looking for the best option and learning about all the hard consequences it could bring if don’t use it correctly makes getting a credit a very stressful experience. Here we share some information that can be useful in case you’re considering getting your first credit card. First of all, it is important to know what a credit card is. … Read More

Debt Settlement or Bankruptcy?

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How is debt settlement different from bankruptcy? That’s a great question and a common one too! Debt settlement (unlike bankruptcy) is a private negotiation with our legal team and your creditors. Bankruptcy is a public filing that is accessible to everyone including potential employers, current creditors, future creditors etc. Bankruptcy can stay on your credit report for the next 7-10 … Read More

Federal Reserve hikes up interest: Do you have credit card debt?

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Rising interest rates spell fatter returns on credit cards for banks this year — but not for customers trying to save for a rainy day. Americans have entered 2017 groaning under $992.4 billion in credit card debt. Following the Federal Reserve’s December interest rate hike of 0.25 percent — and with up to three more similar rate increases expected this … Read More