As a consumer, make sure you read the dreaded terms and conditions of the card so you know what you're in for.
More Quotes from Bill Hardekopf:
If you expect to receive a tax refund or a bonus in the next year, transfer your balance to a card with 0 APR on balance transfers for 12 months. Extra money from tax refunds, gifts and bonuses can help significantly in paying down the balance.Bill Hardekopf
In 95 percent of the country, it probably works great, and if you use your minutes correctly it's a great deal.
Bill Hardekopf
The largest carriers have raised rates each and every month this year. Instead of increasing across the board they have been increasing rates for one plan one month and another the next month.
Bill Hardekopf
Many families are frustrated and overwhelmed by working hard only to see their debt grow instead of their savings. This is a large group of people who are one late payment away from receiving punitive default rates of almost 30 on credit cards and other loans. If you are at the edge, default rates will be devastating. If your credit card bill comes at the end of the month when there is no money left, contact your credit card company to change your billing schedule to fit with your pay schedule.
Bill Hardekopf
The card does have some good attributes, but consumers need to be cautious and know what they're getting into. They really need to dive into the terms and conditions.
Bill Hardekopf
Every person who pays off their credit card in full each month should be using a credit card that gives a rebate or a reward. Otherwise, you are being economically foolish. Some of these cards pay you a significant cash rebate just for using the card.
Bill Hardekopf
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