Archive for the Credit Cards

How to Be Responsible With Credit Cards

Irresponsible spending on credit cards often leads to financial ruin. This is because consumers just spend and worry about the bills later. Credit card statements are one of the most ignored pieces of mail. Missing a payment affects your credit and results in more interest being tacked on to your balance, thus reducing your available credit. Pay Off Balances If you need to use your credit card, make small purchase like gas or groceries. Pay off these balances when you get the bill. Don’t let them linger by making only minimum payments. It is a good rule of thumb to refrain from making purchases that you cannot pay in full when the statement comes. While keeping revolving credit active on your credit report it does show financial responsibility in regards to on-time payments. However, the recurring interest does not help you financially. Pay More than Minimum Payments If you cannot pay the balance in full when the statement does arrive, at least double the payment or make it considerably more than the minimum amount due. Paying only minimum is not […]

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Southwest credit card offers and My Quest of Juggling between my Family and My Job

About a year ago, I was scouted for a great job opportunity that I simply could not pass up. The only problem was that I had to leave home. Since it was the middle of the school year, we decided that I would go ahead while my wife and kids would finish the school year. Needless to say, I didn’t much like the idea of not being with my family and quickly realized that I needed to get home at least every weekend. One of my new co-workers suggested that I look into Southwest credit card offers so that I could earn something while flying back and forth so often. Since Southwest offered the best flights for me, I looked into the cards and quickly discovered that the Southwest Airlines Rapid Rewards Premier Card was perfect. To start with, I received two points for every $1 spent on Southwest Airlines and AirTran when I purchased the tickets directly from the airline. Using Southwest’s online booking tool is fast and easy, so it was never a problem to earn my bonus […]

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