Finance Globe

Are you having a difficult time obtaining an unsecured credit card? Is this the result of no credit or bad credit? Have you given up on the process?While an unsecured credit card may be out of the question for the time being, there’s another option to consider: a secured credit card.With a secured credit card, you make a cash security deposit upfront that protects the credit card company. If you default, they have the right to...

It doesn’t matter if you’re searching for a new credit card or learning more about the one you already have, there’s an important question to answer: are you familiar with the fees associated with the card?Unless you can answer “yes” with 100 percent confidence, you have some work to do. If you’re uncertain of potential credit card fees, one or more of these could sneak up on you in the near future.An annual fee is a...

Being frugal is easier said than done. Even though you may be interested in saving money, no matter what it takes, if you don’t have the right mental approach you will find yourself coming up short. Once you change your approach, it will not be long before you are realizing the benefits of living a frugal lifestyle. In fact, you may soon find that this is easier than you ever believed possible. Getting in the right...

More often than not, I find myself dreaming of vacation. Booking an incredible vacation doesn't have to cost a fortune. Here are some tips for how to travel on a budget. Be flexible about your travel in order to find the most affordable flights. Plan trips in the off-season. Not only will you find better deals for travel, but you'll experience fewer crowds. Visiting Tokyo, Japan during cherry blossom season sounds incredibly beautiful, but you'll pay the...

There are many things that may lead you to close a credit card account. This isn’t a decision to take lightly, as it can have a negative impact on your credit score, but it may be a move that you have to make. Here are three personal reasons to close a credit card account: You are done taking on debt. Many people reach a point in their life when they no longer want to take on...

How do you make purchases when you are on the road? Are you comfortable with the system that you have in place. Just the same as when you are at home, your options include: Credit cardsDebit cardsCash While all of these options have a variety of benefits, there are several reasons why you should consider making purchases with your credit card when traveling. Here are some of the primary benefits: Easy to Track Everything If you...

As a college student, you will soon (if you haven’t already) realize that your financial life is changing. For this reason, there may come a point when you consider the benefits of applying for a student credit card. Before taking this leap, it’s important to assess your situation. For example, are you confident in your ability to spend within reason? If you’re on the fence, here are several of the top benefits of a student credit...

It is no secret that tens of millions of Americans struggle with credit card debt. If you’re one of these people, it’s time to formulate a plan for escaping debt as quickly as possible. If you’ve avoided this in the past, it would be in your best interest to stay on this path in the future. Doing so means many things, such as knowing the top causes of credit card debt. Here are some of the...

As a small business owner, there may come a time when you realize that using a credit card could bring a variety of benefits to your company. From the flexibility to the convenience, there are many reasons to turn to this method of payment as often as possible. Of course, you can’t make this transition until you find and secure the right small business credit card. As you go through the search process, here are some...

Credit card fraud remains a major problem in the United States, with the potential for losses to exceed $12 billion by 2020. This isn’t meant to scare you, but to instead help you avoid becoming a victim in the future. The Federal Trade Commission has this to say about credit card fraud: “Credit card fraud takes place every day in a variety of ways. You can’t always prevent it from happening, but you can create some...