Michael D. Strauss's Articles

  • A Brief Guide To Finding The Best Credit Card
    With such a number of credit cards on the market, it makes sense to examine your options carefully to make sure you're getting the best deal. What features should you be paying attention to when making your choice?
  • 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.
  • About Personal Credit Lines
    A personal credit line is a type of finance which is useful for borrowing smaller amounts. However, it doesn't come without cost, so you need to know how they work to make the most of them.
  • 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.
  • 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.
  • An Introduction To Credit Cards Rewards
    Credit card rewards programs can be a powerful incentive to use your card more often. How do these programs work, and how do you benefit?
  • An Introduction to Loan Repayment Holidays
    Loans offering a repayment holiday facility are becoming increasingly popular. What exactly does this feature offer, and who can benefit?
  • 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?
  • Are Credit Cards An Essential Part of Life?
    Credit cards have become almost totally integrated into modern life and today most adults carry at least one. Are they now an essential part of everyday living?
  • 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.
  • Are Payday Advances Worth The Effort?
    Payday loans are often touted as a solution for your money troubles, but they're expensive and can actually make matters worse. Are they worth the effort and risk involved?
  • Avoiding the Pitfalls of Everyday Purchasing with Credit Cards
    Credit cards are so easy to use, we can end up paying for everything with them. To avoid financial penalties, however, you need to stay on top of how you're using your card.
  • 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.
  • Benefits Of A Business Credit Card
    Running a business means that there are dozens of things competing for your time, and so anything you can do to streamline your operation is to be welcomed. Find out how taking out a business credit card can improve the financial side of your enterprise.
  • Benefits of a Prepaid Credit Card
    If you can't get a credit card because of a poor credit history, or you simply don't want to risk racking up debt on one, then a prepaid credit card could be what you're looking for. Find out what they are and how they work.
  • Cash Back Credit Cards Reward Regular Spenders
    Credit cards which offer cash back or rewards schemes can offer great benefits to their holders. However, as with all types of finance, they're more suited to some applicants than others.
  • 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 Between Cash Back Or Rewards Credit Cards
    These days, more and more credit cards are offering enticements to spend more in the shape of cash back and rewards programs. Which version is right for you?
  • Choosing Between Credit Card Rewards Or Low Interest
    Credit card rewards can be a valuable feature, but usually come at the cost of a higher interest rate. Which is more valuable to you, rewards or low interest?
  • 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.
  • 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.
  • Comparing Secured and Unsecured Loans
    The internet is awash with advertisements urging you to solve your financial worries with a personal loan, but taking out the wrong kind can be disastrous for your financial future. In this article we compare the benefits and drawbacks of secured and unsecured loans.
  • 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 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.
  • 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.
  • Credit Cards And Your Credit Score
    Your credit rating is the major factor in deciding what kind of credit card is worth applying for. Find out what you can expect at different levels of credit scoring.
  • Credit Cards Can Help Establish Your Credit Worthiness
    Credit worthiness is a very valuable aspect of your life and will have strong affects on your future. Find out how using credit cards can influence it to the good.
  • 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.
  • Credit Rating Recovery After Debt Consolidation
    Many people suffer damage to their credit ratings before deciding to take out a debt consolidation loan. What's the best way to clear this damage up?
  • Cutting Through The Complexity Of Credit Cards
    The wealth of features available on today's credit cards means that it can be a difficult task to decide between them. How do you choose one that's right for you?
  • Discovering The Advantages Of A Payday Loan
    Payday loans can offer fast and easy access to much needed cash. They are not without their problems and costs, but they can offer real advantages too.
  • 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.
  • Do You Really Need A Secured Loan?
    You might not always know it from the bright and breezy TV adverts, but a secured loan is a very serious financial commitment, potentially putting your home at risk. Before applying, it's a good idea to ask yourself whether an alternative is a better option.
  • 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.
  • Effective Use of Credit Card Balance Transfers
    Using a credit card balance transfer facility is not as popular as it once was, but it can still be a very effective way to handle debts. Find out how to make the most of this useful feature.
  • 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?
  • First Steps To Choosing A Credit Card
    With the sometimes bewildering amount of credit cards on offer, you need to narrow your options down before making your choice. How you plan to use your card is a major factor in deciding which cards to look more closely at.
  • 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.
  • 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.
  • Getting a Loan When You're a Tenant
    It's been easier than ever in recent years for people who own their own home to be accepted for loans and other credit. What's the situation for tenants and others who aren't homeowners?
  • Getting The Best From Balance Transfers
    While credit card balance transfers are perhaps not as popular as they once were, they can still offer great benefits if used properly. Find out how to make the most of the facility.
  • Getting The Most Benefit From Your Rewards Credit Card
    Credit cards with a rewards program can be a very valuable way of profiting from your everyday spending, but to get the best out of them you need to use them wisely. Find out how to maximize the benefits you'll get.
  • Grab a Slice of the Cash Back Action
    Cash back credit cards are one of the latest and most popular crazes to sweep the personal finance industry. Find out why you should grab a slice of the action too.
  • Homeowner Loan Opportunities For People With Bad Credit
    High levels of consumer debt coupled with a worsening economy mean that more and more people are picking up a bad credit rating. However, homeowner loans could give you the opportunity to halt the slide and get your finances back on track - even with poor credit.
  • Homeowner Loans Offer Significant Advantages - And Risk
    Homeowner loans are often cheaper and easier to be approved for than unsecured finance, which has lead to them becoming so popular. There is however the risk of property loss involved, and this needs to be balanced against the advantages when making the decision to apply.
  • How Can You Get A Credit Card With A Bad Credit Rating?
    Credit cards are almost an essential these days, almost replacing cash in a lot of situations. Yet, if you have a poor credit rating, you might struggle to be approved for a card. Is there anything you can do to remedy the situation?
  • How Credit Scoring and Loans Interact
    Your credit score is one of the most important factors in getting approved for a loan. How is it calculated, and how does it affect your application?
  • How Debt Consolidation Can Go Wrong
    Consolidation can be a powerful tool for getting in control of your debts, but can also be dangerous if done badly. Find out the pitfalls to avoid when consolidating your debts.
  • How Easy Is It To Be Approved For A Credit Card?
    Although the days of cheap and easy borrowing appear to be over, many people are still looking for new new credit card options. How easy is it for your application to be approved?
  • How Exactly Do Online Payday Loans Work?
    While expensive, an online payday loan can be of real use when funds are short at the end of a month. How do they work, and who can apply?

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