Finance Globe

As a credit card holder, you are faced with a variety of decisions on a daily basis. Most importantly, you will be asking yourself this question often: should I use my credit card or pay in cash?While some people use their plastic for everything, others are much more selective. It would be in your best interest to know when you should and should not be using your credit card, ensuring that you don’t make any mistakes...

There is no denying the benefits associated with carrying at least one credit card. From the ability to make big purchases to the reward points you can collect, this is a financial tool that many people rely on.As long as you are responsible enough to use a credit card in the appropriate manner, you don’t have much to worry about – or do you?There are many credit card myths that have harmed people just like you...

Seeing a lower price on an item you recently purchased is frustrating, especially if it’s a significant price drop. All you can think is “If I’d just waited a few more days, I could have gotten it for this price.” Well, you still may be able to, but you’ll need your receipt. Price Adjustment at the Store Many stores offer price adjustments, but only within two weeks of the purchase if the item is currently priced...

Before going on a shopping trip, one of the first things you do (or should do) is figure out how much money you’re able to spend. You check your current account balance, consider what bills and income you have coming in the next few weeks, then decide what you can safely spend. If you haven’t been following that (or a similar) plan when you shopped in the past, keep those steps in mind for your future...

With the new year around the bend, there is no better time than now to take a strong look at what 2014 will bring to your business. For many, this means a focus on finances.Has your business gone without the use of a credit card in the past? If so, you may want to change your approach in the new year.Applying for a small business credit card may be one of the best moves you ever...

Credit card companies want your business. You can tell by the number of credit card offers you receive in the mail – that is, if you haven’t opted out. It can feel like an honor, having credit card issuers chase you for your business, but before you get too puffed up, consider who's doing the chasing and why they're chasing you. The credit card offers you receive are based on the credit cards each issuer thinks...

Has the time come for you to apply for a rewards credit card? With each passing year, more and more offers are made available from the major credit card companies. Subsequently, you have to compare your many options before making a final decision.Here are three points to consider when comparing rewards credit cards with hopes of making a choice in the near future.1. What are the finer details of the rewards program? It is easy to...

Rewards credit card offers have ramped up this year, with many credit card issuers offering better rewards than ever before. The Capital One Venture Card, for example, pays 2% cash back on purchases. Discover it Card pays 5% on quarterly rotating categories and 1% on everything else. And the American Express Blue Cash Preferred pays 6% cashback on groceries, 3% on gas and department stores, and 1% on everything else. Those are just a few of...

There are many bad credit cards out there, some of the worst contenders are those that target people with bad credit. Even with bad credit, there’s one credit card, you should definitely stay away from: the First Premier Bank Credit Card. What’s so bad about this credit card? It’s expensive. Too expensive. Before you get the credit card, you’ll have to pay a one-time $95 processing fee before the account is opened, just to get the...

Dealing with financial problems can be tough, especially when it comes to credit card. Monthly payments, balances, due dates, past due balances, and collection calls can be very stressful. It’s hard not to worry about credit cards, but the key to relieving your stress is to figure out how you can start solving your problems. Don’t ignore your credit cards. If you just neglect your credit cards, the problems will only get worse. Right now you...