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5 Signs of a Good Credit Card
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We have spent the last few years improving our credit. Inevitably, as your credit improves, you begin to receive credit card offers in the mail. If your credit is shaky, the offers that you may initially receive are probably not the best options. As time goes on, provided your credit continues on an upward course, the offers will improve.
Keeping that in mind, here are 5 signs that I look for in a good credit card:
- No annual fee—I do not like to pay for annual fees. Especially since I try not to make it a habit to use credit, I do not prefer the concept of having to pay for the privilege of having a credit card, regardless of if I use it or not. However, to be fair, there are some desirable cards that do charge annual fees, so you may want to base it off of the other factors listed below as well.
- Low interest rate—Unsecured credit cards can be costly enough to use without having exorbitant interest rates. Look for credit cards that have an interest rate between 6.99% and 9.99% preferably. Limited time offers of even lower or 0% are always good, too, as long as the standard interest rates are acceptable.
- Rewards—I am all about getting rewarded for purchases. Look for credit cards that offer rewards of some sort, whether cash back, discounts, or points. Determine what reward system matters most to you—for example, since I do not fly, frequent flyer miles are probably not the most useful reward for me personally.
- Decent credit limit—You may be able to get credit cards with a limit of $250 or $500 with promised raises later on, but if possible, it is better to look into higher limit credit cards. You want to avoid getting too many different credit cards with low limits—it is better to get 1 or 2 with more substantial credit limits.
- No late fee/penalty rates—Although this is a newer concept, there are credit cards that do not charge late fees if your payment arrives after the due date. Since accidents happen, this is a convenient feature. Likewise, some credit cards do not utilize penalty rates if you miss a payment altogether, which can prevent your interest rate from rising. Although these features should not be abused, they are nice to have for those occasional times when you are running behind on a payment.
There are some other aspects to consider when opening a new credit account, but the ones that I have mentioned above are the primary ones that I look at. Since your credit can take a hit if you open credit cards and later close them, it just makes financial sense to do a little research and limit the amount of credit cards that you obtain to exclusively quality options.
What do you look for in a good credit card? Do the credit cards that you have currently exhibit these positive traits? Comment below and share your credit card experience with us.
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February 26, 2013
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4 Steps to Effectively Deal with Debt
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For many, debt is an unfortunate part of modern life. Although it may be impossible to avoid debt altogether if you would like to get a college degree, purchase a home, or have a car to drive around in, you can minimize bad debt—i.e., credit cards, medical bills, personal loans, etc. If you have already accumulated some bad debt, here are 4 steps that you can take to deal with that debt effectively.
- Stop adding to it—It may seem obvious, but if you keep adding to your debt while you are trying to pay it down, you will not get very far. Strive to stop adding to your debt so that you can achieve noticeable results.
- Identify your debt pitfalls—What do you tend to get into debt over—clothes, electronics, lavish vacations, home repairs? Whatever it is that you end up busting your budget over, identify it so that you can figure out how to stop it. Determine if you need to cease spending in that area altogether, reduce the spending, or find a way to save up for that category of spending.
- Create a game plan—Determine what you owe on, how much that you owe, and how much that you can afford to pay towards debt reduction. Then determine how you will allocate the amount that you have available each month to pay down your debt. In general, it is recommended that you pay down the credit cards or loans that have the highest interest rates. However, if you have a more pressing debt type, for example money owed to the IRS or medical bills that may be sent to collections and may end up on your credit report, you may want to devote extra funds to those first.
- Move forward in faithfulness—Unless you end up with a lump sum of cash to pay off your debts, it is likely that you may spend months or even years eliminating your debt slowly. The real results are in the faithfulness that you apply over time. It is easy to get distracted or to become tired of your efforts, but it is vital to remember why you are doing what you are doing. Paying down your debts will improve your credit score, will allow for increased money in your budget to spend on more vital expenses like housing, and will provide security and peace in your financial state. Find some added inspiration by checking out websites from those who have successfully paid off their debt or talk to someone who can provide tips. You will find few people as happy as those who have managed to get out of the red and their joy will prove infectious!
If you have determined that you must pull yourself out of debt’s grasp, I cannot promise that it will be easy, but I can tell you that it will be rewarding and a benefit to your financial peace of mind.
Have you successfully pulled yourself out of debt? How did you do it? Any tips for someone who is just getting started on their journey to becoming debt-free? Please comment below and share your debt experience with us.
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February 18, 2013
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The Key to Positive Financial Change for a Lifetime
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So you say that you want to become more financially stable and get out of debt? I think that many of us think about this goal much in the same way that we think about getting fit and losing weight. We tend to resort to fad diets and other temporary “get thin quick” schemes that do not provide lasting results. Although short-term reduction of your spending can give you a solid head start towards financial stability, the real results lie in the everyday habits and ingrained mindset that are applied over time. Until you experience legitimate change in those areas, you will not see the long-term positive results that you may hope to achieve.
That is why I liked this article from StumbleForward called How to Live Debt Free For Life – 4 Things To Help You Make The Change. This article takes you through a step-by-step process on how to achieve positive financial change for a lifetime. By instituting these practices, you will lay a solid foundation towards remaining debt free and financially in control for good.
When I became tired of the financial struggle and trouble, I had to not only cut down on my spending in the meantime, but I had to learn to stop buying things on an ongoing basis; to curb my temptation to buy things just because they were cheap; to avoid relying on credit to buy things that I could not afford; and to remember that bills and necessities are always first priority. These changes that have been made over time have helped us to rebound and become more financially stable.
Just like it makes more sense to avoid crash diets and to learn how to reduce portion size, eat healthier meals, and exercise on a regular basis if you want to be physically fit, it also makes sense to reduce credit use, curb your spending impulses, follow a functional budget, and build up your savings if you want to be financially fit for life.
What habits are you instituting to create positive financial change for a lifetime? How easy or difficult has it been to establish and maintain these positive financial habits? Please comment below and share your journey to financial stability.
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February 7, 2013
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Get Rewarded for Saving and Get Free Financial Education in the Process
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Have you heard about SaveUp? SaveUp is a newer website that rewards you for saving money and paying off debt.
I actually found out about the website through my bank, so I decided to give it a try. When you demonstrate positive financial habits like depositing money into your savings account or paying down your credit card debt, you earn credits that you can use towards a chance at fabulous prizes, like gift cards, cash deposits, home appliances, vacations, memberships, and more.
The reason that I wanted to mention this website is their educational webinars that they offer that you can enjoy for free. These presentations cover vital financial topics, like Getting Out of Credit Card Debt and How Much Money Do I Need to Retire.
If you are trying to encourage yourself to stay on the narrow path to financial health, using a website like SaveUp can be a great way to do it. SaveUp can make tearing down your debt and building up your savings fun, easy, and rewarding.
Have you ever used SaveUp? What did you think? Does it encourage you in positive financial habits? Please comment below and share your thoughts on this website.
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January 30, 2013
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Get Some Extra Money, Pay Some Extra Money
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We recent got an unexpected check in the mail from our auto finance company. This was a surprise to me, as I did not know what the check was in regards to. I called up the company to find out. I found out that it was a refund from closing out our previous auto loan and switching over to our new refinanced auto loan account. As mentioned in this previous post, we refinanced with our current loan provider and were completely pleased with the process. Well, this was just another added bonus! 
Although I wish that they had just taken that overage amount and applied it to the new loan, I went ahead and deposited the check into our bank account. Since they had not transferred the money over, I decided to go ahead and do it myself. So instead of keeping the money, I made an extra payment on our loan in the amount of the check. Since this was money that we otherwise would not have had, it just made sense to use it against the new auto loan, which will save a little bit of interest and may lower the loan slightly on our credit report.
Especially at this time of the year when people are filing their tax returns and getting some money back, you may want to consider where you spend that “found” money. Instead of going out and buying something new, why not apply that money towards some existing debt instead? It will allow you to pay down the debt quicker, save some money in interest, and will boost your credit score.
If you receive a monetary gift like we did for Christmas, apply the same concept. Instead of using the funds to buy something that you do not need, apply it against some outstanding debt or use it to pad your savings account.
If you use unexpected money to the best of your advantage, your financial situation will be enriched and will be all the better for it.
What “found” money have you used in a wise way? Please comment below and share your experience with us.
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January 21, 2013
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When Buried and Forgotten Debt Comes Back to Life as Zombie Debt
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Have you ever failed to pay a debt? Maybe it was because you did not have the money at the time, were not aware of the debt, or simply just forgot. Regardless of the original reason for not paying, sometimes we forget that a debt out there is owed and eventually it may even fall off of our credit report after enough years.
Caution: just because a debt is out of sight and out of mind does not mean that you are out of harm’s way. Enter ‘zombie debt,’ a type of debt that you thought had been written off and went away only to come back to life to haunt and attack you. Not familiar with zombie debt? Here is a great explanation from Investopedia:
“A type of bad debt that is so old a person may have forgotten he or she owed it in the first place. The debt has likely been given up on by the company to which it was owed. Zombie debt can haunt a debtor if a debt collector buys the debt for a low price from the company in attempt to recover the owed funds.”
So, in other words, zombie debt is debt that you may have forgotten all about or thought that you got out of paying, but the creditor has not forgotten and may have sold the debt onto another collection agency. And just like zombies, zombie debt can come back to life to take a bite out of you and wreak havoc on your financial life. If one agency is not successful, they may sell the debt to another agency to try their hand at collection activities.
If you have zombie debt that rises from the grave of the past, the first thing to do is ask the agency to validate the debt to prove that you still owe it. They should be able to provide you details on the original debt. Then you can use that information to go back in your records and determine if the debt is valid and if you still owe it.
You will also want to check on the statute of limitations in your state. Statute of limitations sets a maximum time limit that a creditor can rightfully attempt to obtain payment from you for a debt, including by lawsuit or by reporting adverse information on your credit. This is part of the Fair Debt Collection Practices Act that mandates how debt collecting agencies can attempt to obtain payment for a debt.
Even though collection agencies are still able to attempt to collect on debt after the statute of limitations is up, they have no recourse if you refuse to pay. If you have a collection agency attempting to collect on zombie debt that is past the statute of limitations for your state, you can simply tell them that you will not be paying due to that. Unfortunately, some consumers are not aware of this, so bill collectors can pressure them into paying, making the risk worth the reward for these collection agencies.
If there is one thing that you should have learned from all of the zombie-themed movies, shows, and comic books, in order to kill a zombie once and for all, you have to get them in the head. When it comes to zombie debt, the way to kill it is to hit it on the head by knowing what your statute of limitations are and using this info to your advantage to spike the debt in the head.
Have you ever been the victim of zombie debt? What did you do? Did you end up paying the debt? Please comment below and share your experience.
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January 17, 2013
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When It Comes to Credit, Mix It Up a Little for Best Results
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You want to establish good credit, but are not sure how. One of the best tips is to be varied when it comes to your credit sources. Check out this recent nugget of wisdom from Experian:
“CREDIT TIP: A mix of accounts can show that you know how to manage all types of credit. It is good to have a history of repaying an installment loan, such as a car or student loan, but a revolving account, such as a credit card, demonstrates more clearly that you can responsibly manage credit because you have to control how much you charge and pay each month.”
We have talked in the past about good and bad debt. Good debt can include loans for a house, auto, or student loan, for example. Bad debt can be credit card debt. However, that does not mean that you should avoid having a credit card. Rather, you should have a credit card that you use responsibly.
Just as being late on a credit card payment, running it up over your limit, or failing to make payments can affect your credit negatively, using a credit card minimally and showing timely payments can provide a positive effect on your credit. Experts recommend putting on no more than 30% of your available credit at any given time. Pay off the balance monthly and then charge a little again. This can help you to show a responsible history of use and payment that will increase your credit score over time.
Even if you are unable to get a traditional, unsecured credit card, you can use the same method with a secured credit card (you use your own money to secure it). Just make sure that you find one that reports to the credit bureaus and shows up as any other unsecured credit card would.
By juggling a variety of long-term credit accounts of different types, you will indicate your ability to handle credit responsibly, which will provide you with more opportunities and better interest rates. Although you may be tempted to skip examples of bad debt, you may be missing out on another chance to demonstrate your prowess when it comes to using credit like a pro, which may actually cause your credit score to be lower.
Have you ever gotten a new credit card just to build your credit? Did it work? Why or why not? Please share your thoughts below on rounding out your credit combination to get a higher score.
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January 16, 2013
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What to Look for Financially in a Potential Mate
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When we are looking for a new love interest, it is common to look for someone attractive, funny, and personable. But with the increased popularity of online dating and the added importance of a solid credit history, more love seekers are focusing their sights on a mate with an excellent score. I am not referring to a perfect ‘10’, but rather a solid 750. Many people looking for love are also looking for a potential mate with a good credit score.
This may seem strange, but considering the importance of credit when it comes to purchasing a home or auto together, it may not be as bizarre as it may originally sound. Time touched on this interesting topic recently in an article entitled What’s Hot on the Dating Scene? Good Credit. Discussed are new dating websites strategically targeted to those concerned about the prospect of taking on a potential mate’s already incurred debt. The New York Times confirmed this trend in a small study they conducted and found that good credit is indeed a desirable trait these dating days.
Now, mind you, I met my spouse before the concept of a credit report was ever a thought (that’s one way to circumvent this issue, I guess). But since many people are getting married later in their 20’s and 30’s, that leaves a lot of time to start and screw up your credit history.
If you live in a community property state where married couples may share assets 50/50 with some exceptions, there is a chance that you may liable for your spouse’s debt. This threat alone may scare anyone considering marrying a financially irresponsible partner.
Marrying someone with poor credit can mean paying higher interest rates on any financed purchases that you apply for collectively. It can also mean a chunk out of your marital budget if debts are owed and must be repaid. Some couples can even end up filing bankruptcy due to one spouse’s debts or dangerous fiscal habits. Then you hear the horror stories of the one responsible partner having to shoulder the burden of the other partner’s ever-growing load of debt until bitterness grows and comes to an inevitable head.
How someone manages their finances while single and free can be a good indicator as to how they will conduct themselves once married. Since your money personality says a lot about you as a person, it can also help you to determine overall compatibility. This becomes especially pertinent when you consider that money is one of the top reasons that marriages end in divorce.
All things considered, it does not hurt to at least be aware of what you are getting into. What level that you take it to is up to the individual, how important it is to you personally, and how comfortable you are asking a potential mate what their credit score is or for permission to review their credit report.
How do you feel about this focus on credit when it comes to dating? Do you feel it is wise or wacky? Have you asked a potential mate about their credit situation prior to getting serious? How did it work out? Comment below and share your thoughts and experiences on this intriguing topic.
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January 4, 2013
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What You Need to Know about Refinancing Your Vehicle
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Refinancing an auto loan can be somewhat tricky. There are a few things that you need to know. I knew a little about the process from a previous attempt, but recently I had to refresh my knowledge when I refinanced our auto loan.
Here are some things that I learned:
- It’s much cheaper and easier than refinancing your home—When you refinance a home, you always have to determine if it is worth it based on the high closing costs that could be thousands of dollars. I recently refinanced my auto loan for under $100. There is also much less work involved in auto refinancing than financing a home.
- You may not have to pay anything out of pocket—We did not have to pay anything out of pocket when we refinanced with our current lender, as the document fee was wrapped into the new loan.
- You car should be no more than 5-10 years old—It depends on the lender, but lenders have a maximum age that they will refinance a vehicle that can vary from 5 to 10 years.
- Your car should have no more than 80,000 – 100,00 miles—Similar to the age above, different lenders have different maximum mileage counts that they accept. But if you have a very high mileage car, you may not be eligible for a refinance.
- You should have no less than half of the loan life left—Experts often recommend refinancing within 6 months- 1 year of purchasing a vehicle, but if you are too far into the loan, a bank will not see the value in refinancing you and it may not be worth your while either.
- The vehicle should be worth at least the amount that you owe on the loan—If you are underwater on your vehicle loan (owe more than the car is worth), you may be out of luck when it comes to refinancing. This is called your loan-to-value rate (LTV). We knew that we had purchased the vehicle for under what it was worth, and before we refinanced, we checked again to see that we at least met the amount owed on the loan.
- You must owe at least $5,000 – $7,500 on your loan—This goes back to the loan life, but banks also have minimums that they will bother refinancing.
As you may be able to tell from the details shared above, timing is extremely key when it comes to auto refinancing. If you want to refinance, it is good to plan ahead of time to do so when it is most likely to work out and you are able to get the best interest rate.
When we purchased our car, I knew that I wanted to refinance, so I took a number of steps to make that possible. I knew that I had a very limited window in regards to age, mileage, loan term, and indication of positive payment history on our current loan that had to be met. It is also vital to show a respectable credit score as well, not only in regards to your current auto loan, but your other financial obligations. Each lender may have their own standards in regards to refinancing, so it is best to do a little research to make sure that you meet them.
Have you ever successfully refinanced your vehicle? Was it easy or hard? Please share your auto refinancing stories with us by commenting below.
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January 3, 2013
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How to Refinance Your Auto Loan with Your Current Lender
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In December 2011, we purchased a used vehicle. Even though I did not prefer to, we financed the vehicle (we had just paid off a vehicle earlier that year). Thankfully we got a good deal and the vehicle that we purchased was worth more than we paid for it and it was cheaper than other similar vehicles.
Although we financed the vehicle with a higher interest rate and monthly payment that we preferred, my hope was to pay on the loan for a year and then refinance it for a better interest rate/lower payment. I had tried this with our previous new vehicle, and ultimately, I was never successful, so I hoped that this time would be better.
In the year following the purchase, I paid the car payment on a monthly basis religiously. I put a reminder in my calendar that I wanted to refinance when it got close to a year. I knew that I had a certain timeline to follow due to the age of the vehicle, mileage on the vehicle, amount paid into the loan, and time left on the loan. In addition to making the auto loan payments on time for a year, I also cleaned up my credit further, opened a small credit card to build up my credit, and began paying on my student loan that had been on deferment or forbearance for years. I followed the straight and narrow, ensuring that all payments were on time.
Due to the age of the vehicle, some larger banks would not be interested in refinancing it. I knew that I could refinance with another bank provided the details were right, but I did not know that I could actually refinance with my current lender. After doing some online research, I found out that this was an option, and I imagined it was a much easier process than going with a new lender.
Thankfully my lender Wells Fargo made the process extremely easy. They already offer application information on their website. I was able to apply online as an existing customer, I received an approval next day via email, and I was able to get the paperwork online, sign, and send it back. Within a week, I had a new loan with an interest rate that was 3.68% lower than the previous, and we will save $22.89 per month for the remainder of the loan (total savings of over $1,300). We only had to pay $99 for documents to process the refinance. There was no going into a bank, no providing back-up documentation or records, no vehicle inspection. I was even able to use the same online account log-in information. Few things in life are ever this easy!
If you are considering refinancing, I would definitely check out the possibility of refinancing with your current lender. Although I doubt that all lenders will be willing (they lose out on interest charges), it may be worth their while if they would like to keep your business instead of having you refinance with a new loan company.
In my opinion, this arrangement was definitely the best of both worlds, especially since I was already pleased with my current lender. What a great way to start the New Year—with a new lower car payment!
Have you ever refinanced a vehicle? Did you did do so with a new or current lender? Please comment below and share your experience with auto refinancing.
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- What You Need to Know about Refinancing Your Vehicle
- What About Refinancing?
- Is It Worth It to Refinance Your Car?
- Refinancing… Is it Right for You?
- How Your Credit Can Influence Your Lifestyle—Part 1: Loans
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