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Your FICO score is not a secret.

Sounds simplistic, doesn’t it? Just pay down your debts, your credit score will raise, and all will be fine. But if you’re in debt, there’s probably a reason - such as spending in excess of your income.

If you want to build a good financial reputation - otherwise known as a good FICO score - you’ll have to make the effort to bring your spending in line with your income.

You have two simple choices, and they should be used in combination with each other:

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Posted in Finance on August 6th, 2008
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Offering frequent flyer miles is a credit card companies way of getting their card holders to be long term. After all it tales a long time to accumulate enough miles to take a trip. When you do get enough miles you want to make sure that you get the trip you want. The class you want, the destination you want, the seat you like, and all the other perks you are use to when it comes to flying.

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Posted in Finance on July 23rd, 2008
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Most of us shop around for credit cards these days and choose our cards on the basis of their APR. But just how important is a card’s APR?

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Posted in Finance on June 8th, 2008
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If you use it wisely, a credit card can be very beneficial to you.

Credit cards can be very useful; they can be enjoyable; and they can end up costing you a lot of money. You do not need to be a financial expert in order to avoid unnecessary pitfalls associated with credit cards– basic information and basic common sense can go a long way toward helping you to use your credit cards to their best advantage. Using credit cards does not have to be a negative experience.

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Posted in Finance on May 24th, 2008
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