Category Archives: Living with credit

Free credit freezes are coming – but similar options are already here

Fred Williams

Americans will get free, fast credit freezes following last week’s enactment of S. 2155, the Economic Growth, Regulatory Relief and Consumer Protection Act. Most of the law’s 73 pages soften bank regulations that were designed to prevent another financial crisis…
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Beer vending machines? Yes, they’re a frosty, sudsy thing

Jay MacDonald

Last week, if you’d told me I could dip my credit card into a vending machine and stroll away with a frosty can of beer, I would have assumed you’d been drinking. But as I write this, my eyes (and…
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How the humor of debt can set you free

Erica Sandberg

Debt tends to make people unhappy, anxious and grumpy, but sometimes laughing at how we got into our financial holes can relieve the stress and show us new ways to start chipping away at all that we owe. Making light…
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To understand interest cost, convert APR to dollars

Fred Williams

It’s bad enough that many of us don’t know the annual percentage rate (APR) our credit cards charge. But even when we do know the rate, we are not good at understanding how much the interest will cost. A new…
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Why your credit application was declined and what you can do

Lyn Mettler

You’ve got good credit and want to add a rewards credit card to your wallet. Maybe you’re already planning how you’ll spend that bundle of points from the sign-up bonus. Your application, though, is denied. What can you do? I’ve…
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