Every day, millions and millions of mail are sent out by the multitude of credit card companies that are in existence. This amounts literally to tons of paper wasted for junk mail. Anyone would love for a way out of these weekly credit card application form trash. If there is a credit card application opts out, would you take it? (more…)

Debt management is increasingly becoming a necessity in our lives. It refers to the proper planning and organization of finances in order to keep a minimum debt balance. Debt management aims at lowering our debt and helping us maintain our credit rating.

Up until recently, it was extremely easy to obtain credit, (more…)

You might say the increasing number of credit card defaults is a result of the housing crisis that led to the bank crisis, which led to thousands of people being laid off. That, of course, had to play a part.

It’s difficult to feel sympathy for the banks that took bail out money to keep operating, and then laid off thousands of workers, however. (more…)