Michael D. Strauss's Articles in Credit

  • Is It Time To Upgrade Your Credit Card?
    If you've been using the same credit card for several years, you could well be missing out. Competition in the credit card industry over the years has delivered more and more benefits for cardholders. Is it time you upgraded to a better deal?
  • Balance Transfers Plus A Savings Account Equals Easy Cash
    The practice of shifting debt from one credit card to another to take advantage of 0% balance transfer deals isn't as popular as it once was, but a related activity is still alive and well. Find out how balance transfers could actually make you money for nothing.
  • Does Your Credit Card Pay Its Way?
    Most people by now aware of the potential dangers of credit cards in that it's all to easy to run up excessive debts. However, not as many people realise that using a credit card can actually be a profitable activity.
  • Credit Card Basics
    Applying for a credit card is a common online activity, but how can you decide which one to go for? Understanding the basics will go a long way in helping you to reach your decision.
  • Clearing Up Credit Card Jargon
    Credit card companies are almost gleeful in the amount of jargon they use, rarely using a simple word when a few obscure ones will do. Find out what some of the most common terms mean, and how they affect your choices when applying for a new card.
  • Three Reasons To Check Your Credit Card Statement
    Opening and reading your credit card statements every month can easily be neglected in favour of other more interesting activities, but this could be a mistake. Read the three reasons you should stay on top of your statements.
  • Are Balance Transfers Still Worthwhile?
    The introduction of credit card balance transfer fees has taken a lot of the steam out of the activity known as card surfing, as it is no longer possible to move debt around for free. But does this mean that transfers are no longer worthwhile?
  • Enjoying the Benefits of a Prepaid Credit Card
    Prepaid cards are an increasingly popular kind of payment method. But why might you choose one over a normal credit card?
  • Do You Really Need A Credit Card?
    What can you do if you want the convenience of a credit card without the risk of running up debts? There are three main alternatives you should consider.
  • A Brief History Of Credit Cards
    Despite being so commonplace in modern life, credit cards have a relatively short history. Read when the first cards appeared, and how they developed into the products we know today.
  • An Introduction To Affinity Credit Cards
    Affinity credit cards are becoming increasingly popular, offering a new range of benefits and features. Find out what they are, what they offer, and whether one could be right for you.
  • Tricks Credit Card Companies Use To Ramp Up Your Bills
    Credit card companies are notorious for squeezing every last drop of profit out of their customers. Find out the ways they do this and how to keep in front.
  • Why Choose A Gas Credit Card?
    Gas credit cards are now available from almost every gas station it seems. Why would you choose one over an ordinary card?
  • About Sports Affinity Credit Cards
    Sports affinity cards let you donate funds to your team at no direct cost to yourself, and also offer other benefits of interest to sports fans. Find out if one is right for you.
  • Charity Credit Cards - A Good Deal?
    Charity credit cards are often presented as an easy way to donate to charity without any cost to yourself, but is it really that simple? This article shows how there might be more cost effective options available.
  • Choosing Cashback Or Rewards Credit Cards
    With the demise of balance transfers as an attractive credit card offer, cashback and rewards schemes are growing in popularity. Find out what they are and how you could profit from using them.
  • Are Online Credit Card Applications Too Easy?
    Applying online for a credit card is easier than ever, but there is a danger to be aware of. Find out the harm it can do to your credit rating, and how to avoid it.
  • Credit Cards: Why You Should Pay More Than The Minimum
    Credit cards are a great convenience, but it can be all to easy to let your debt slide out of control. Making only the minimuum repayments will make the situation worse, and this article explains why.
  • When Not To Use A Credit Card
    Credit cards are a convenient part of modern life, but unfortunately it can be all too easy to run up problem levels of debt. Knowing when card use is inappropriate will help prevent your card getting you into trouble.
  • Which Kind Of Credit Card Should I Choose?
    There are so many credit cards available with different features, it can be hard to decide which one to apply for. A simple way of narrowing the field is to base your decision on your spending habits, rather than being swayed by eyecatching advertisements promoting features you may not need.
  • Simple Steps to Prevent Credit Card Fraud
    Credit card fraud costs hundreds of millions every year, and is a distressing and damaging experience for the victims. Fortunately, there are some simple ways of vastly reducing the chances of it happening to you.
  • Get in Control of Your Credit Card Debt
    Using credit cards can make day to day life more simple, reducing the need to carry cash and making it easy to shop online and by telephone. However, spending with plastic can sometimes be a little too easy, and many people find their balances get out of control.
  • Credit Card Balance Transfer Fees
    Credit card balance transfer offers were so popular that they ended up costing the credit card industry serious amounts of money. Something had to be done, so the balance transfer 'handling fee' was born.
  • Credit Card Cheques - An Expensive Convenience
    Credit card cheques are touted by card issuers as a convenient way to use your account when cards aren't accepted, but it's not always made clear how much they cost.
  • How Important Is Credit Card APR?
    Many credit card advertisements feature a low APR as the most prominent feature, but is that the most important thing with a card? There are many other benefits to consider, which might be more valuable than a low rate.
  • Flat Rate Credit Cards
    Most credit cards feature different interest rates depending on how they're used. Purchases, balance transfers, cash withdrawals, introductory offers... the number of different rates can be confusing. Flat rate cards charge the same APR for everything, making it easier to keep track of how much your card is costing.
  • Is Cashback The Future For Credit Cards?
    Cashback is a feature of credit cards that is rapidly growing in popularity. Why is this and how could you benefit?

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