Business, Money, and Finance Discussion Blog

Nowadays, the number of identity theft keeps increasing in the U.S. Thus, you have to keep the privacy of your identity especially your Social Security number (SSN) because there are probably irresponsible people intending to use it to apply for a credit card using your name, buy thousands of expensive items but they do not pay the bills. Eventually you will find bad credit score on credit report when you are going to apply for loan because the lender will check your credit history first. You are even risky to get charged by unknown creditors to pay the debt that you never made. Thus, locking credit report is very important for you, especially if your SSN is already exposed. read more »

Credit card, who don’t have it? It provides us easiness in shopping; we don’t need to bring much money when we want to buy an expensive product. It also gives us reward points that can be used for shopping the next time. We can also buy products or services, use it, and pay it with 0% installment. But, the advantages of using credit cards don’t stop there. read more »

It is not easy to manage money nowadays. The living costs increases continuously so we have to be careful in spending money. The challenge will be bigger if you live in the big cities than if you live in the towns or countryside, because most stores market their products very well. When we go to malls or stores, we often buy products and services that we don’t really need in which it consumes much of our money . read more »

How often you heard this phrase “Cut up your credit card, get out of the debt!” This sentence might create new believe that credit card is way to get you into debt trap. It is absolutely wrong. In fact the way people use credit card that can get them into debt trap or get them to make more money. read more »