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How to use your credit cards wisely

Your credit score will depend upon the amount of credit cards that you have and how much you have on them. Obviously, if you don’t use your cards you won’t have any credit history, but did you know that having more than one isn’t that bad as long as you use it wisely. Since your personal credit report is determined, by how much credit you have compared to your debt. Therefore, if you have three credit cards and you keep one for emergencies, one to use for your own use, and then one that you never use you will have a very good credit rating. The key is to have three credit cards. The card that you for daily things should be your lowest credit, so you can build credit but not get out of hand with the spending.

Credit Card Crisis - The Consumer Credit Crunch in America

Old Man Pie - Credit Credit card Song "Never Never Never"

This is a song about the Credit Crunch in America. We all need credit cards. Its become a way of life. Here is a catchy tune that's been on the web a while from "Old Man Pie" Please enjoy!

Have you been an identity theft victim? “It wasn’t me!”?

Have you been an identity theft victim? Have you ever had to say, “It wasn’t me!”? Have you ever been surprised when you applied for credit and was told that you had all kinds of charges made in your name – charges you knew nothing about? That would be your first thought, wouldn’t it – it wasn’t me! So if this has happened to you, you know only too well what identity theft is. And identity theft safety actually comes in hindsight for you. But identity theft is a very real threat these days – all around the world. And if you’ve been fortunate enough to have avoided this horrible crime, then consider that fact – you’ve been fortunate! So count your blessings and start developing your identity theft safety program today! And then you won’t be one of the millions of people who’ve had to say, “It wasn’t me!” And don’t ever be one of those people who say, “It’ll never happen to me.” If you really believe that, then you’re a prime target!

Masking Credit Card Numbers - New California Laws



Photo found on: Pseudo-Funny Screencaps,
From The Simpsons

Masking Credit Card Numbers

Businesses could be failing to protect your private purchasing information. How safe are your transactions?

How often have you eaten at a restaurant in town, paid by credit card and noticed on the receipt you’re about to leave on the table that your entire credit card number is displayed? Anyone who picks up that receipt will have your private payment information and your signature at their disposal, including the restaurant staff. Business's should be masking your credit card number so it shows up with only four legible numbers ie. xxxx-xxxx-xxxx-1234.

Starbucks could reward US Government for Iraq budget spend?

Let’s have a look at the scenarios: US spending in Iraq Fact: Spent & Approved War-Spending - About $600 billion of US taxpayers' funds were spent in Iraq. President Bush has requested another $200 billion for 2008, which would bring the cumulative total to close to $800 billion. $800 billion wow...what if that was spent through a credit card? If the Starbucks Duetto Visa card was used that would mean that 1% of all the spending could be accumulated back as Starbucks rewards. 1% of 800 billion is 8 billion dollars for coffee. That’s a lot of free coffee. How much coffee well …..a lot. And since Starbucks annual income ending September 07 was reported just a little over 9 billion dollars it would mean Starbucks giving away almost as much coffee as it sold. Would Hillary Clinton choose this option for her military spending? “Starbucks Participates in Clinton Global Initiative
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