If you and your spouse have some separate credit card accounts, you can use this strategy to lower interest rates, increase your credit scores and hopefully pay off your credit debt faster.
I’ve been effectively using this strategy for the last few years, and if used with care, works great. But credit isn’t something [...]

The Consumerist has a good example article on “Chase Changes Due Date Without Warning, Charges Late Fees“ that perked my ears up.
I’ve been noticing that many if not all of the credit card companies and banks I deal with are all moving toward the ‘paperless’ system. Now that in and of itself doesn’t faze me, [...]

I just received notice from Bank of America that the interest rate on my wife’s credit card is going to go up to 24.99%+ starting mid-January. This isn’t the default rate, (that’s 32% or more) but it’s the new rate for new and existing balances on the card.
Now, we’ve never been late, and our credit [...]

Credit card companies think up lots of strategies to get the unsuspecting consumer to spend more money, to carry balances, or to allow the companies to raise interest rates. One of the most unfair tricks in recent memory is the Universal Default Clause. In many of the little booklets sent out to credit card holders, [...]