The Best Secured Credit Cards

Secured credit cards have a bad reputation, and most of these products deserve it. Too often, the companies that offer secured cards do so to prey on those with poor or little credit history by charging exorbitant interest rates and outrageous fees. But using the right product from a reputable institution, holders of secured cards… Continue reading The Best Secured Credit Cards

How to Get Your First Credit Card and Build Credit

When my husband wanted to propose to me, we were just finishing up college. He went to a jewelry store at the mall and picked out the prettiest engagement ring he could reasonably pay for with a payment plan. He provided his Social Security Number for the credit check — but was disappointed to learn… Continue reading How to Get Your First Credit Card and Build Credit

Does Your Teenager Really Need a Credit Card?

Giving your teenager a credit card may seem like a scary proposition, but it could be the safest way to teach them about credit. Credit expert John Ulzheimer says it’s just like teaching your teenager how to operate a car, but in a controlled environment. “Nobody would just let a teen hop in a car… Continue reading Does Your Teenager Really Need a Credit Card?