Finance Globe

Credit can make life so much easier - it allows us to enjoy things now while we pay for them later. Many of us would never become a homeowner or have a nice car if we had to save up the money to pay for them in cash. Every little emergency would be a major issue if it weren’t for the convenience of a credit card. Credit can help us get through tough times and allow...

My first credit card was a secured card.I was 19, had a stable job and paid my rent and utilities on time. I spent money responsibly and took pride in managing my finances. I thought it would be easy to get a credit card.I soon learned that creditors did not see me the way I did, I had not established credit by simply paying my bills. How can a person establish credit if nobody will give...