Michael D. Strauss's Articles

  • Your Credit Card Options With A Poor Credit Rating
    Having a bad credit rating is never something to be desired, but help is at hand for credit-impaired people who want a credit card. Many companies offer precisely this kind of product, and competition is hotting up.
  • Why You Need A Credit Card
    Once viewed as an exotic and even unnecessary thing to carry, credit cards have now become ubiquitous. Indeed, it's becoming evermore difficult to take part in modern society if you don't carry a card.
  • Why Rewards Credit Cards Could Work For You
    More and more people are finding that using a rewards credit card earns them valuable benefits over the course of a year. Seeing as you work hard for your money, why shouldn't your credit card work for you too?
  • Why Comparing Credit Cards Before Applying Is So Important
    With so many credit cards of different kinds on the market today, it really pays to choose carefully. Read how to effectively compare cards from different issuers and get the right one for your situation.
  • 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?
  • Why Can't I Get a New Credit Card?
    After enjoying years of easy access to credit, many people are now finding their applications are being denied. Why is this, and can anything be done?
  • 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.
  • 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.
  • What You Should Know About Getting Debt Help
    Levels of debt are reaching epic proportions. Why is this, and what can you do to get yourself out of trouble?
  • What You Should Be Looking For In A 0% Credit Card
    Credit cards with a 0% interest offer can offer valuable benefits to their account holders. What do you need to consider when choosing between the various cards on offer.
  • What Is Credit Card Universal Default?
    Most people are aware that your credit card company may raise the interest rate if you miss a payment. What's less well known is that missing payments on other finance can also push up your card's APR.
  • What Does The Credit Crunch Mean For Personal Loans?
    You've doubtless seen the media coverage of the so-called credit crunch that has had the economists and bankers growing increasingly worried recently. However, it's not just an issue affecting the arcane world of high finance, it will have consequences for those wishing to take out a personal loan, too.
  • What Are The Benefits Of Having A Credit Card Account?
    Credit cards are almost ubiquitous these days with most adults carrying at least one. What are the benefits that have made them so popular?
  • What Are Some Of The Causes Of Bad Credit?
    As economic times get harder, more and more people are developing a bad credit rating. What exactly does this entail, and what are the causes?
  • What 0% Credit Cards Could Do For You
    Credit cards with an introductory 0% deal offer undoubted advantages to their holders. How could you benefit from applying for one?
  • Turning Lead Into Gold - Getting A Credit Card With Bad Credit
    More and more people are picking up bad credit ratings as the economy continues to worsen. This doesn't necessarily have to mean you can't get a new credit card though.
  • 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.
  • Tips For Finding The Right Credit Card
    Not all credit cards are created equal, and it's important for your financial health that you get the right one. Find out what you should be looking for when making your decision.
  • 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.
  • The True Cost Of Late Credit Card Repayments
    Despite the recent reductions in the amount you're charged for making a late payment on your credit card, it's still best to avoid it when you can. Find out why there's more than a simple fee involved.
  • The Severe Drawbacks of Payday Loans
    Payday loans are often touted as an easy solution to financial problems - they're not! Although they have a place in the financial services industry, they can have severe drawbacks if not used very carefully.
  • The Seven Deadly Sins Of Credit Card Use
    Credit cards are a very convenient part of modern life, but can lead to trouble if not used carefully. Find out the seven biggest mistakes to avoid.
  • The Power of a Gas Credit Card
    With fuel prices sky high, many people are looking for ways to cut their bills. Could a gas reward credit card provide an answer?
  • The Most Popular Uses For A Personal Loan
    We're constantly being enticed to take out a personal loan or other kind of finance through advertisements and marketing, and the number of people applying for finance keeps on rising. What are we spending the money on?
  • The Downsides to Debt Consolidation
    Debt consolidation is often portrayed as a simple way out of your debt troubles and money worries, but when is life ever that simple? There are drawbacks to consolidation that you need to bear in mind before making your decision to continue.
  • The Different Types Of Online Loan Sites
    With all the thousands of loan sites on the web, how do you know which one to choose? Read about the different kinds of site you'll come across during your loan research.
  • The Different Kinds Of Loans Available
    There are many options available to people looking for credit. What are the major kinds of loan available, and what would you use them for?
  • The Basics Behind Personal Loans
    Are you properly prepared to make a loan application? There are certain basics you need to know about before plumping for the perfect loan deal.
  • The Bare Minimum You Should Expect From A Credit Card
    The credit card has over the years evolved into a complex beast, with many often conflicting features to consider before applying. Before comparing the extras tacked on to a card, you need to make sure the basics are right if you're going to get a good deal.
  • Student Credit Cards - A Safe Choice For College Students
    College students have very particular needs from a credit card. Luckily, more and more issuers are bringing out products specifically tailored to those needs.
  • Staying Out Of Trouble With Your Credit Card
    While credit cards can certainly be convenient and useful, they can also pose dangers to your financial wellbeing. Following a few simple rules, however, will keep you out of trouble.
  • 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.
  • Selecting An Appropriate Credit Card For Your Lifestyle
    With so many credit cards on the market, you need to narrow down your selections before making a choice on which to apply for. What criteria should you be looking at?
  • Secured Consolidation Loans - Useful But Not Perfect
    Secured loans are often presented as the ideal answer to all sorts of financial problems. Unfortunately, while they can be extremely useful, they also have dangers which need serious consideration.
  • Save Money By Consolidating Your Credit Cards
    If you have several credit cards carrying balances you may be able to save money by consolidating them into a single card account. Just pay attention to the interest rates and be sure the figures add up.
  • Prepaid Credit Cards - An Option For The Credit Impaired Customer
    While it's certainly possible to get a credit card when you have a bad credit rating, it can be very expensive. A prepaid card can offer the convenience without the cost.
  • Must Your Poor Credit Score Stop You Getting A Credit Card?
    Having a bad credit rating is obviously going to be at least something of a hindrance when applying for finance of all types. That needn't stop you taking advantage of increasingly competitive credit card deals however.
  • Minimizing Your Credit Card Interest Payments
    It can come as a shock to realize just how much you're paying in interest on your credit cards each month. Can you get the figures to a more reasonable level?
  • Making The Most Of Credit Card Cashback And Rewards Deals
    Credit card cashback and rewards programs can be a very powerful benefit if used properly. How can you maximize their advantages?
  • Making The Most Of Credit Card Balance Transfer Facilities
    Balance transfers are a very popular reason for getting a new credit card. What exactly are they, and how do you use them to best effect?
  • Make Credit Card Balance Transfers Work For You
    The premise behind credit card balance transfers is fairly simple, but different cards offer different benefits and opportunities. Find out what you need to know to get the most out of these popular deals.
  • Low Rate For Life Balance Transfer Credit Cards
    Credit cards that offer a low rate for life offer a kind of finance that's cheaper than almost any other. Find out how to use the facility to best effect.
  • Keeping Track Of Your Credit Card APR
    Your credit card's APR determines how expensive it is to use your card, and is one of the most important things to consider when comparing new cards. However, existing cardholders need to keep an eye on their APRs too.
  • Is It Worth Applying For A Platinum Credit Card?
    There are many things to consider when applying for a credit card, but is being a status symbol one of them? Read why applying for a platinum credit card might not be the best course of action.
  • 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?
  • Is Consolidation the Answer to Your Debt Problems?
    Nearly everyone today is carrying a debt to some extent, and while most of us can cope with the repayments there are significant problems for a sizable minority. Could debt consolidation be the solution to these problems?
  • 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?
  • Introducing Credit Cards Specifically For Small Businesses
    Although they operate on the same basic principle, small business credit cards offer distinct advantages over personal cards for entrepreneurs. Find out the differences and how they could benefit you.
  • How The Web Makes Getting A Credit Card Easy
    The days when you had a limited choice of credit cards are long gone. The web makes it easy to compare hundreds of cards and apply online to get a quick decision.
  • How Much Does Your Personal Loan Cost?
    We all want to get the cheapest loan possible, but how do we know how expensive a loan really is? The interest rate doesn't always tell the whole story.

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