Hands up all those who have lost a credit card at some point in their shopping lives.

I have. But then I've also lost every piece of jewelery that's been given to me. I lost my wedding ring - twice. I lost my gold tie pin - how do you lose those things? I lost a sterling silver wrist chain, necklaces, watches...the list is endless.

Last summer I even had the unfortunate experience of leaving my credit card at a retail booth at a large conference. The chances of tracking a lost credit card down when you have no way of contacting anyone about it, are fairly remote. Instead, I phoned my credit provider and had them cancel the card and reissue me with a new one.

It's a little inconvenient but it's not an insurmountable experience.

Unless, of course, you happen to lose your credit card in the middle of an armed robbery. And you're the felon.

Then the situation becomes a little more tenable and inconvenience is no longer the issue.

This is exactly what happened to this 24 year old who is facing a jail sentence after leaving his credit card at the scene of the crime. In most situations, the average customer would be more than happy to receive a phone call from the police informing them that their credit card has been recovered. Not in this situation.

It reminds me of Amex's advertising slogan - "Don't leave home (or the scene of a crime) without it."

Posted by Stuart at 8:12 AM | Permalink

What do you do when market share becomes too competitive? You source other untapped markets that may be as feasible or more so that the bottom line continues to increase.

This seems the logical explanation for Bank of America's latest insurgence into a possible market, illegal immigrants, obviously identified by other banks - but never courted. This untapped audience could be as large as 8.7 million persons according to one source and may even be as large as 20 million people.

That's a fairly sizable portion of the population who have absolutely no banking opportunities. It presents itself much like finding a nation of people who don't wear shoes but have been trying everything to keep their feet covered.

The Bank of America is offering clients a $500 credit card if they have a checking account with the bank. The only stipulation is that they have a relevant Individual Taxpayer Identification Number (ITIN) issued by the IRS. Critics, however, complain that these ITIN's are too easy to secure for undocumented immigrants.

Possibly, this could lead to many problems by allowing identity theft to occur via a legitimate avenue.

A Department for Homeland Security spokesman, Russ Knocke stated,

"At face value the program seems to be problematic. It seems to be lending itself to possibilities of perpetrating identity theft or creating more risk for money laundering."

Very scary when you consider how easy it might be for a person bent on terrorist activities to legitimately use banking facilities in the US.

The plan is still in its pilot stage but by all reports it appears that it will be rolled out throughout all Bank of America branches in the very near future.

Source: The South Florida Business Journal

Posted by Stuart at 6:14 AM | Permalink

You can if your employer's paying for your all-expenses-paid credit card and its attached to a rewards program.

In the case of Kate Carson, she now has enough Amex points to purchase a round-the-world ticket. Instead she treats herself to facials at more than $200 a pop.

"There's almost nothing I can't buy with points," says Carson. "It's great."

Many employers are now paying for their staff to enjoy the bonuses of a rewards credit card citing its use as an added benefit. Those employees who have jobs that take them away from home for long periods of time and use credit cards for their expenses can tap into the huge world of reward spending.

I know I never have a problem spending other people's money...

Posted by Stuart at 6:20 AM | Permalink

How can you tell if online porn's got a hold in your life?

When you have to use a grieving family's credit card to pay for it.

This sad tale was broken last week when a Hippensteel Funeral Home Director was arrested for using a client's credit card to fund his online habit.

This story would be bad enough if it were a store employee using a customers card details for their own transactions (and it happens nearly every day). However, what makes it startling disgusting is non only the use of the card but also that it was stolen from people who were already suffering a great loss.

Is there no morals left in this world?

Posted by Stuart at 6:30 AM | Permalink

There are two things you never want to marry together: divorce and credit card debt.

It is not that it's too hard to circumvent these days but the continual hassle from financial creditors can literally drive you insane. All they want is their money and if there's a whisper of divorce on a client's lips they psychomorph from helpful Dr Jekyll to insidious Mr Hyde.

Even the most painful divorce can be alleviated with a court settlement. This should see the credit card debt cleared or at least the responsibility of payment to one or both of the partners. But until that point of clarity occurs many credit card institutions will hound you, and your ex-spouse, seeking payment gratification.

The hard thing about a divorce is that it can become a three-way struggle over the debt. You claim it's not your responsibility and therefore don't make any payments, your ex-spouse claims it's not his problem and likewise refuses to pay and then the card provider threatens to sue both of you.

Everybody becomes anxious about their obligations and responsibilities and it becomes harder to deal with than holding a snake soaked in massage oil.

So, how do you divorce and get rid of the credit card debt?

1. If at all possible don't get a divorce. Go and see a counsellor. Compromise your position. Buy her flowers - just do whatever it takes.
2. If that doesn't work... try and resolve your divorce with an amicable solution as quickly as possible. The quicker the settlement the faster you can get back on with your life
3. Communicate your resolutions Keep your creditors, including your credit card provider, in the communication loop. Tell them when you expect the payments will be made and stick closely to your promises.
4. Trying selling an asset to offset the debt. In any divorce, the assets accumulated by the couple will always need to be split so trying selling the largest, usually your home, first and offset any debts with the proceeds.
5. Separate the debt If the divorce is amicable, or at least not inhospitable, try dividing the credit card debt between two new cards: one for each partner. If multiple credit cards are involved this may become a little tricky but some financial institutions will work this one out for you in order to get your business.

Divorce is no place for credit card debt to loiter so try and be swift with your decision making and life may get back to normal with less aggravation - certainly from your credit card provider anyway.

Posted by Stuart at 6:06 AM | Permalink

Jeff Brown from the Philadelphia Inquirer recently wrote a column explaining one of his reader's strategies for combating credit card debt.

The reader had amassed more than $45,000 in debt and was taking advantage of introductory free interest periods. He would transfer the balance from an existing card to a new card while he invested the amount owing at 8-9%.

So what's wrong with this strategy? These were Jeff's suggestions;

1. To earn an interest rate of 8-9% on cash you need to be investing in some fairly risky ventures. The problem ten becomes enlarged if the investment fails or dips substantially and leaves him with less cash than he first had.

2. Zero-percent credit card deals abound with small print problems. Any default and the rate will increase exponentially.

3. His credit rating will suffer and potentially prevent him from gaining access to future borrowings. Credit rating societies are able to track these dealings diligently and will automatically send up a red flag as the amount of debt won't decrease.

I would add another to this;

4. For this strategy to have any effect it requires multiple applications for credit cards. Trying to keep up with the application processes and timing of receiving and transferring debt balances would be tricky at best.

The best strategy when dealing with credit card debt is to pay it off as fast as you can. While it is the most convenient debt instrument it comes at a price and using it as an investment tool is hardly wise.

Posted by Stuart at 6:15 AM | Permalink

In the same way a condom can save you from an unplanned lifestyle adjuster, Sheila Walkington's credit-card sleeve is aimed at preventing a spur of the minute decision that will end in regret.

The sleeve, nicknamed the 'credit card condom', fits over your card and reminds you of the goals you set to curb your spontaneous spending. An ingenious "Why-didn't-I-think-of-this-earlier?" product Walkington's device helps those who find it hard to keep the card in their pockets.

I'm looking forward to seeing what some major manufacturer will do with these.

Posted by Stuart at 4:59 AM | Permalink

For those who met Christmas' challenge by using money they had: continue the New Year without fear and trepidation. For the rest of us who placed it all on the plastic: it won't be long before the credit Grim Reaper arrives in your letterbox.

And, that Grim Reaper may be telling a story that may be a little different to what we expected to hear.

"You'll overspend on your credit cards because it's not cash going out, so you don't realize it and you get that credit card bill and you go, ‘I spent $7,000 on Christmas!'"

This statement by a frugal Christmas shopper is too true and can be the source of anxiety for many consumers as they start the New Year already fighting a financial battle.

So, with so many advisors warning shoppers of the credit card trap, why is that we still find ourselves hocking our Christmas' to the hilt? Maybe we've given up or maybe expectations have just gone a tad over the top.

Whatever the reason, isn't it time we started using money we have and leaving the credit cards for those who can use them wisely?

Link

Posted by Stuart at 5:42 AM | Permalink

The last thing you want to do if you plan on refinancing your loans is end up in a worse situation than when you started. And unfortunately this is how most people end up.

To refinance your loans successfully you need to work out some plan of attack. So, to show you the best way to refinance your debt let me introduce you to our fictitious case study couple, Ira and Jean.

Ira and Jean recently got married and decided to pool all their assets, bank accounts and debts. Alas, poor Ira and Jean's debts far outweighed their assets and cash.

Here's the breakdown of their current debts;

• Ira had bought his $23,000 car through the car dealerships recommended credit company paying 24.5%pa


• Jean had paid a $3000 deposit and owed her brother another $15k.


• The wedding had cost nearly $25,000 and all of had gone onto their combined credit cards. Ira's low interest card had $15,000 at 8.99%pa while Jean's 16.5% credit card contained the balance of $10k.


• Two years ago, Ira and Jean took out a mortgage for their first home and after paying a 20% deposit they now owed $300,000 over the next 23 years.


• To complicate the situation even further, Ira's business owed the Tax Department more than $20,000 in unpaid tax.

So, after some heated discussions, Ira and Jean decided to refinance their debt as soon as they could. Here's how they did it...


Continue reading "How to refinance successfully" »

Posted by Stuart at 7:50 AM | Permalink

Credit cards are the necessary evil in our lives. Comforting us in our time of need they strangle us when the credit card statement arrives in the post.

And while they may be a source of helpful financial convenience there are many tricks and rorts (all still very legal) that providers implement to extract the maximum amount of blood from a single stone. Gone are the days of keeping customers loyal and serving their needs, this is the era of keeping customers in debt.

Here are some of the credit card billing rorts you'll find card providers using;

Double-cycle (Dual Cycle, Two Cycle) Billing - This happens when you buy a large ticket item, let's assume $1000 worth, and you pay the majority within the interest free period. However, the remaining amount is carried over into the next period and the interest is charge on the entire amount rather than the remainder.

The difference is illustrated by this example; Let's assume you pay $1000 for a big-ticket item. You pay $990 within the interest free period leaving an outstanding amount of $10. The interest payable on just the $10 for a 26% credit card is 22 cents. That rate on the whole amount is $21.67. Huge difference!

Paying by phone Many credit card providers chage excesses for customers who pay by phone even if they pay the amount within the interest free period.

Why is it that in the day of internet banking most financial institutions won't accept deposits into credit card accounts? It's extremely easy to charge your credit card and obversely difficult to repay it.

The Tricky Universal Default Clause The Universal Default Clause is that fine print at the bottom of the conditions section informing you that if a late payment is made, no matter how faithful a customer you have been for the previous years, your interest rate automatically escalates.

Charged for Non-Use Credit card providers are becoming more aware of customers holding multiple cards using 1 or 2 for most of their purchases and holding the remainder for emergencies. Therefore, they're increasing interest rates on cards that aren't used on a regular basis as they try to recoup their 'administration' costs.

Credit card providers will excuse their billing practices laying the onus on customers to check them out thoroughly before signing their sand granule font agreements.

There are many pitfalls for the non-savvy credit card user and we rarely learn until we have failed - which is what these providers are banking on. Governments are reluctant to intervene and legislate so it really is up to the individual to seek out the best deals and scream ad nauseum about the bad ones.

Posted by Stuart at 6:56 AM | Permalink

Many consumers avoid using e-stores like the plague, concerned that their credit card information will be hacked and used by others. Realistically, the chances of this happening are less than your details being fraudulently used when you're not online.

But for those who perceive the risk to be too great Innovative Cart Technologies have now produced the ICT DisplayCard.

The difference between this and a normal credit card is a small display located in the right-hand corner. Press your thumb onto it and a one-time 8-digit security number appears which can be quoted much like the Verification number you have on the back of your card now. Except that it changes each time you use it.

So even if a hacker or fraudster has your credit card number, expiry date, name on the card and verification PIN they still won't be able to use it. Only when the 8-digit number is quoted from physically having the card in front of you when you make a purchase can it be used.

This technology isn't cheap but for peace of mind and the ability to visit those e-stores you shyed away from it may be the idea you've been looking for.

Link

Posted by Stuart at 6:56 AM | Permalink

According to Reuters (London) some credit card companies have hiked their interest rates by more than 12%pa after the Office of Fair Trading forced them to reduce their default fees.

Typically the financial mammoths began to "rob Peter to pay Paul" offsetting their losses in fees by increasing their interest rates on their cards. Moneyfacts.co.uk reported that 19 credit card providers had increased their fees with Barclaycard the worst offender.

The loss in revenue for these providers is possibly in the realms of 300 million pounds per year so trying to recoup this revenue stream is going to be hard. Especially for those providers who relied heavily on default fees while offering low interest rate cards.

How consumers respond within the next couple of months will be telling for some card providers.

Posted by Stuart at 8:21 AM | Permalink

There's only ___ days until Christmas!

Try and imagine coming out the other side of Christmas not having anything else to pay for. The meal was great, your friends and family loved your gifts and there was more than enough cheer to behold. Yet, there are no credit card statements reminding you that you probably enjoyed yourself a little too much.

Or, you can do it the same as last year and still be paying off your credit card in June.

The reason most of us - yes, we've all been there - find that Christmas ends up on the card is due to a lack of preparation. We put Christmas off in our minds hoping that a). It will go away, b). We might win the lottery and then splash out to our hearts content, c). Relegate ourselves to "Christmas = Credit Card", or d) All of the above. And before we know it, it's Christmas Eve and I still haven't bought anybody a present.

Abraham Lincoln said,

If I had six hours to chop down a tree, I'd spend the first hour sharpening the axe.

So, it's time to sharpen the axe. I've listed a heap of links to help get your creative juices inspired and leave your credt card in your wallet - for emergencies (not bad planning!).

Continue reading "Christmas without a credit card" »

Posted by Stuart at 6:43 AM | Permalink | Comments (1)

The credit card companies make billions each year in legitimate interest charges and fees, but are under constant pressure from the shareholders to increase their earnings. To make this extra money the credit card companies sometime adopt some dirty tricks to make this money.

As the credit card industry becomes more competitive, less money is being earned from each client from interest charges and the number of these dirty tricks increase. To protect yourself against these unscrupulous procedures that steal your money we will list 10 dirty tricks credit card companies play to their clients so you’ll know what to expect and look out for. Of course that there are not only 10 dirty tricks credit card companies play to their clients but knowing at least these 10 tricks will help you to not be a victim.

Continue reading "10 credit card tricks your provider will try to play" »

Posted by Stuart at 8:24 AM | Permalink

Is it possible to give your kids a better credit card history by making them authorised users? Possibly. But the question should be is it necessary. Janet Bodnar from Kiplinger's Personal Finance warns against it.

Posted by Stuart at 4:46 AM | Permalink

Could this possibly be too good to be true? Possibly.

But it is possible. It all depends on whether you have nerves of steel and can administer your finances well enough to achieve your goal. If you possess the prerequisites - then credit card providers be afraid!

Mary Hunt from the Cincinatti Post explains the plan really well.

Here's an example: Wabash Bank sends me a balance-transfer offer for its Diamond Visa, which I rarely use and carry no balance. They offer 0 percent for 12 months, with a maximum-transaction fee of $75. They provide me a set of convenience checks for this purpose. Their terms state that I may simply deposit the check into my account to initiate the offer. My credit limit is $15,000. I make the check out for $14,700 and deposit it into my checking account. Once the check clears (this will take over a week), I then transfer the money to my online savings account at Emigrant Direct, which earns 4.5 percent interest. Over 11 months, this 'arbitrage' earns me, after fees and taxes, roughly $430, which looks mighty nice in my savings account. All I really have to do is maintain great credit, make timely monthly minimum payments and remember to close out the teaser offer by repaying the balance in full before expiration.

[Australian readers translate the word "check" for "cheque"]

While this may not sound like much to the average consumer, calculate this out over multiple cards and you could be sitting on some good hobby money. Not to mention getting the banks into some serious knicker-twisting.

I would point out though that the banks can afford this kind of loop-hole as they make enough money from unsuspecting mums and dads who end up forking out for late payments and defaults etc. However, if your conscience is clear...

Posted by Stuart at 5:20 AM | Permalink | Comments (2)

I hope you read the fine print.

In many of today's credit card application contracts there is reference to a set of terms should you default on a payment. You may start out on a low interest rate but find, by missing a payment, you will end up converting to the default interest rate - usually 20-30% higher than you were initially paying. There's nothing new about this practice yet there are still many credit card users who are unaware of this policy because they don't read the fine print carefully.

However, this little nuance is minor compared to what is being defined as the Universal Default clause. This clause states that if you miss making a payment to ANYONE that reports on your credit history your interest rate will immediately convert to the default rate.

Take this in for a moment.

You could have faithfully used your credit card, making payments as and when they fall due yet you miss a payment on your telephone bill that is reported to the credit reporting agencies and immediately your credit card institution hikes the interest rate. And they're well within their rights to do so.

For anyone who is looking to accept a really low interest rate for a new credit card make sure you read through the contract and understand all the fine print.

Source: Bill Burt "'Universal default': Lenders gang up on late payment"

Posted by Stuart at 7:25 AM | Permalink

The reason most consumers want to consolidate credit card debt is because they carry too many credit cards in their name. Each credit card applied for and accepted has its own limit, annual fees and interest rate and the more we carry the harder they become to manage.

However, there is a more disturbing trend though as teenagers succumb to spontaneous credit purchases at rates that are becoming far more than alarming. Each generation has become more comfortable with credit card debt and is using it proficiently while savings slump even further every year.

Demos and the Center for Responsible Lending jointly published a report titled The Plastic Safety Net: The Reality Behind Debt in America in October 2005. The report showed that low and middle income earners owed $8,650 in average credit card debt. The average in Australia is is more likely a little over $2,500 these days.

So while the future looks bleak there is a light at the end of the tunnel - and it's not a train!

Continue reading "How to consolidate credit card debt" »

Posted by Stuart at 7:30 AM | Permalink | Comments (3)

Providian haven't had a great rap for their customer service over the years and while they're known for their low introductory rates, they don't seem to stay very low for long.

That may have been past history though as Washington Mutual (ranked as one of Fortune's best 100 companies to work for) snapped Providian up as part of its credit card services last October. Washington Mutual has a great customer record and is one of only a few banks that are committed to the retail loan market.

The reason for Providian's lack lustre reputation has been their sneaky tactics in charging fees and they have been sued for allegations regarding these tactics. They're not alone though, most of the major credit card issuers such as First USA, Chase, Capital One & Citibank (not excluding Providian) have all been sued over allegations of unfair billing practises. It seems that most credit card providers are willing to go the extra mile in charging out expenses to the tune of more than $3 trillion per annum.

Continue reading "Do you want a Providian credit card?" »

Posted by Stuart at 7:06 AM | Permalink | Comments (3)

We tread the internet in tip-toe fashion, trying not to clumsily step on anything hazardous to our online health or alerting the attention of unwanted hacker publicity. Why? Because we know that lurking in the not too distant background is the possibility that our identity could be stolen and used innappropriately or credit card details could be used to transact a criminal's spending spree.

We're just trying to download the latest offering from iTunes or pay for a successful auction win on Ebay unaware that the threat is real or that it may be greater than we first assumed. Most internet users, myself included, assume that e-crime is something that happens to other people and optimistically prescribe to the notion that companies are getting better at dealing with these security risks. They're not!

In fact, most online companies while employing a 128bit SSL for their transactions fail to secure the backend of their data, inadvertently creating a back-door for would-be hackers. Now imagine for a second that your data, address, full name, date of birth and credit card details are sitting insitu on some (unfortunately not-so) secure server with the backdoor left wide open. It's like a red-rag to a bull teasing hackers to try their luck.

And who's to blame for the increase in e-crime? Well, while we're pointing the finger it must be directed toward the door of the reigning governments initially. Are they fair dinkum (an Australian colloquialism translated as "genuine") about resolving this type of crime that will inevitably cost the community? There seems to be little that is being legislated in this arena and the resourcing for crime prevention compared to the resourcing of criminals borders on obscure.

My life, like many others, is becoming increasingly dependent on the web. Unfortunately though, it can be that life can be rubbed out quicker on the internet that it can in real life.

Read this article.

Posted by Stuart at 8:43 AM | Permalink

Have you checked out what the newspapers have been saying about 'credit cards' lately? If you have and you're not sure whether the world can recognise the difference between Arthur and Martha anymore, you may be right.

Here's the first turn-up of the day; India fastest growing market for Visa credit card while the very next article implores that Someone Needs To Put A Leash On Credit Card Issuers. Are they inferring that Indian's should be treated as slaves, or worse still - as dogs?

While in another paper the headline screams No-fee credit card takes off as another (obviously with conspiracy issues) argues that RPT-EU warns credit card companies about overcharging. I actually think at that rate they could probably have an increase of 2-300% and not notice a change.

And if you thought credit card fraud was not being dealt with fast enough it seems the tables are turning. In one breath this article Banks urged to get tough with card fraud followed by No clues yet in credit card racket and then in a blind, sweeping move Shenzhen cracks biggest credit card forgery case. The Chinese authorities are obviously more effective than an episode of Cold Case and Miami CSI working together.

Just goes to show that you can never quite be sure that the world is telling you the truth.

Posted by Stuart at 7:51 AM | Permalink

How annoying is it when you're about to pay for a transaction on your credt card only to find out that there's a minimum spend limit? Or, standing in the express line at the supermarket behind a line of fellow shoppers all wanting to use their credit cards?

Well, good news! If the trials of this new credit card are successful the jingling of coin in your pocket could become a nostalgic memory. Credit cards may no longer have to be signed for and a PIN would never again need to be entered.

The new card also has less chance of being used fraudulently because it never leaves your hand in transactions. We'll wait and see!

Posted by Stuart at 7:45 AM | Permalink

Apparently, yes! That is if you have a steady job and income. If you're a bum who has seasonal employment and changes residences more than you change your pasty Target underwear, you're probably okay. It may become harder to get another credit card once they've revoked your allowance on the one you've just sky-highed, but at least you won't be sued.

It seems then that credit cards are only for the poor and destitute, or at least those who are willing to run when the bailiff knocks on the door.

Read this article from CreditorWeb.

Posted by Stuart at 7:20 AM | Permalink

Have plastic - will shop! Tired of seeing those credit card statements roll in each month and find that you're kicking yourself for some of the purchases you made on that list. Then there's the usual discussion with your spouse concerning the relevance of such transactions like "I don't remember ordering anything from Danoz this month?", "A Mars bar, you put a Mars bar on the card?"

They say hindsight is the greatest teacher you just don't want to have to use it at the end of every month. So, rub some ointment into those bruises, lift your head up from the ground and let's apply some strategy to next month's purchases.

Continue reading "9 tips to curb you credit card spending" »

Posted by Stuart at 6:50 AM | Permalink

If you're after a rewards program for your credit card then choosing one that offers frequent flyer miles may be your best bet. However, if it's the only reason you're getting a credit card then you're making a big mistake.

If you're good with handling your money and can manage it well then adding a rewards program like frequent flyer miles to your credit card can work for you. Each dollar you spend accrues flyer miles and can be redeemed on available air routes across the country or internationally. If you use your card well, paying it back within the interest-free period and not buying spontaneously, you will accrue your frequent flyer miles quite cheaply.

However, if you're spending habits are erratic and uncontrolled and you're hoping to get cheap flights throughout purchasing on credit you will be sadly mistaken. The costs for this type of spending habit are incredible.

Continue reading "Wanting a Frequent Flyer Credit Card?" »

Posted by Stuart at 9:26 AM | Permalink

It seems that every bank is now offering a low interest credit card as part of its financial marketing agenda these days. The rush to compete has come with some extraordinary benefits for consumers with local bank Bankwest offering a low 8.99% and the Commonwealth bank weighing in with their first bite of the market offering 10.99%.

It's good for consumers who have reluctantly accepted the higher interest rates in the past due to the lack of options in the credit card market. It allows the customer to use the card for all banking facilities including EFTPOS while retaining the usual payback period of between 40-55 days.

It illustrates that banks, after repeated denial, can offer much lower interest on credit cards. Who knows, we may even see the competition heat up even more that we will also enjoy frequent flyer points or other reward systems as part of their marketing plan.

Posted by Stuart at 7:06 AM | Permalink

When an economy's debt problem begins spiralling it makes sense to limit the amount of debt issued. In Taiwan's case many of the credit providers are feeling the pinch due to higher NPL (non-performing loan) ratios which for American Express are more than 3%.

American Express will still support their current clients in Taiwan but will cease issuing new credit cards until the country's bad consumer loan problem improves.

Read the full article.

Posted by Stuart at 6:21 AM | Permalink

Banks and financial institutions love customers using credit cards. It's a surefire way to generate revenue and ensure repayment. Most banks and FI's justify their high-percentage interest rates on high non-repayment and with limited information in the public arena as to these non-repayment amounts who can argue?

So the only way to beat banks and FI's is at their own game. Utilise the benefits of a credit card without being caught by the banks own attempts at taking your money from you.

Continue reading "Using credit cards to your advantage" »

Posted by Stuart at 6:30 AM | Permalink