CREDIT CARDS

Have You Outgrown Your Credit Card?

By The BIDaWIZ Team on March 23rd, 2012 at 12:00 pm

Just because you’ve had the same credit card for years, doesn’t mean that it’s the right one for your lifestyle today. So, how do you know if you’ve outgrown your credit card? Read More.

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CREDIT CARDS, MORTGAGES

Is It Ever Smart To Take Out A Home Equity Loan?

By Susan Ladika on February 15th, 2012 at 3:48 pm

If you can qualify for a home equity loan, it’s certainly worth considering. One of the big stumbling blocks these days is that almost one-quarter of homeowners are underwater – meaning they owe more on their home than it's worth. Even if you aren't underwater, a financial institution is likely to require you to have a minimum amount of equity in your home before they'll consider giving you a home equity loan. Lenders also look at your credit history and income when determining whether to make the loan. .

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CREDIT CARDS

How Can I Improve My Credit Score?

By The BIDaWIZ Team on January 20th, 2012 at 3:00 pm

The past few years many Americans have missed credit card payments, mortgage obligations, and even filed for bankruptcy. These types of events can certainly be quite damaging to ones credit report and in turn their credit score. However, it is possible to repair the damage. .

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CREDIT CARDS

Should I Enroll in My Credit Card’s Lost Wallet Protector Program?

By The BIDaWIZ Team on January 1st, 2012 at 2:00 pm

Recently, notices were sent to American Express cardholders describing the new benefits of the Lost Wallet Protector Program (formerly Credit Card Registry). Let’s explore this program, the cost, & if it’s worthwhile. Read More.

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CREDIT CARDS

Are Credit Card Balance Transfers A Good Idea?

By The BIDaWIZ Team on December 20th, 2011 at 6:30 pm

It seems that almost every day we receive an offer in the mail from a credit card company willing to transfer our balance risk-free, at a 0% annual percentage rate (APR). At first glance, you're probably thinking that this is just another way for the credit card company to make more money off of you. But, there may be some very compelling reasons to move forward with this offer. .

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CREDIT CARDS

Will my Credit be Impacted if I’m Late on a Credit Card Payment?

By Susan Ladika on November 10th, 2011 at 3:45 pm

While you don't have to go into panic mode if you've been late on a credit card payment or two, it's also not something you should take lightly. Depending on how far behind you are, it could impact the interest rate you pay for your credit card purchases, and ultimately take a toll on your credit score. .

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CREDIT CARDS

How Should I Dispute a Credit Card Charge & Can I Get Penalized?

By Susan Ladika on September 22nd, 2011 at 5:30 pm

My credit card was charged $100 for office supplies I ordered online, when the amount I owed was actually $35. The office supply company doesn't respond to my phone calls and emails. What can I do? You did the right thing by using your credit card to make that purchase. Credit cards can offer protections that you don't have if you shop with a debit card. It's often quite easy to enlist your credit card issuer's assistance if you're involved in a dispute. .

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CREDIT CARDS

Who is Liable for Your Credit Card Debt When You Die?

By The BIDaWIZ Team on September 2nd, 2011 at 1:00 pm

When a loved one passes away there are usually financial implications to the surviving family members and other named beneficiaries. Although this is an uncomfortable situation to think about, it is important to understand what happens in the case that the deceased has outstanding debts, particularly credit card debt. .

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CREDIT CARDS, INSURANCE

Why Are Some Doctors Offering Credit Cards to Patients?

By The BIDaWIZ Team on July 20th, 2011 at 8:00 pm

It may sound strange to hear that doctors are offering credit cards to patients. But, this is a growing trend in the elective health care space with many doctors looking for ways to get paid immediately. It also applies to both the insured and uninsured because we all know that being insured doesn't necessarily mean you're covered from all of your medical costs. .

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CREDIT CARDS

Keeping Credit Card Spending in Check

By The BIDaWIZ Team on July 12th, 2011 at 6:26 pm

Those that have difficulty managing credit card spending often justify their purchases with this thought, “I’ll pay it off later.” As a result, they make more purchases and spend more money on each item than they would if they used a debit card or paid with the cash in their wallet. Read More.

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