Credit Cards

If you have bad credit, finding a company that will offer you a credit card is difficult, even if your situation is not your fault. Fortunately, many credit card companies understand what you’ve been through and offer a variety of options to help you rebuild your credit score....

One way to build a credit history, or re-build it if you’ve had some financial problems in the past, is to use a secured credit card. There are millions of people who use them every day, even people who haven’t had any credit issues before. Building up a good credit history is a smart move for everyone....

With credit tightening up across all markets, people are using prepaid cards to build up savings for a large purchase, keep on a budget or make purchases without having to open a bank account....

Credit Cards Resources

Interested in improving your credit or eliminating credit card debt? Perfect Finances offers credit card advice to help you manage your spending and rehabilitate your financial health.

Take advantage of our credit card advice to acquire a new secured credit card or prepaid debit card, consolidate or eliminate credit card debt, and learn how to build credit with a credit card.

A secured credit card is a good alternative for people who can’t get a regular credit card—or don’t want one. If you’ve ever had some bad luck, like you’ve lost your job, faced huge medical bills or declared bankruptcy, this type of credit card can help you get your credit score back on track. Secured credit cards are also an...

Building credit is important, especially if you are just starting out in your young adult life or you’ve gone through some rough times and need to start over. What’s helpful to understand in either situation is that how you go about building credit is what really matters. You’ll need to be organized and strategic about what things you need to...

A practical way to help you get out of debt faster is to consolidate your credit card debt. You can: Obtain a loan for the total amount due on all your credit cards Pay off your individual credit card debt with the funds from this loan and a lower interest rate. Use your savings, to begin to pay off the loan principal faster...

Are you used to using your credit cards to buy things you love and deserve, but really can’t afford? Even though you’ve always been told that this is what they are for, it is really bad advice. Eventually, the harsh reality of having to pay your credit card bills sets in. When you realize that you can no longer keep...

Paying down or paying off your credit card debt can seem like a daunting, impossible task when you have limited income. However, it is one of the most important things you can do to ensure your own peace of mind and security for the future. Although most people would jump at the chance to pay down debt, they don’t know...

Not having enough income to pay the minimum payment due on your credit card is very stressful. It can easily and quickly happen to anyone, especially if you’ve lost your job, had your hours reduced unexpectedly or fallen ill or had an accident. But, if you simply overspent, and left yourself short on cash at the end of the month,...