Credit cards have become a very large part of many consumers’ every day lives. We forget that just a few decades ago, cash was king and credit cards were a novelty. Today’s purchasers rely almost entirely on plastic for the security, the rewards, and most importantly, for the short term loan. It’s just easier and [...]
When it comes to cultivating a credit score, you’ve probably got the good-citizen routine down cold: You pay on time, try to wipe out the entire balance every month and never close too many accounts at once. Beyond the basics, though, many consumers are still in the dark about what makes their credit scores go [...]
Students increasingly have been using credit cards to finance living expenses and education, a necessity for many given the rising cost of education. Despite the name, credit cards are in fact loans, requiring repayment with interest. Paying high interest on educational expenses means overpaying for college costs and the need for using credit cards must [...]
The Great Recession has many people pinching pennies, cancelling ski vacations and squirreling money away in emergency funds. But the fact is that despite high unemployment, shrinking retirement accounts and the collapse of the housing market, many of us are still buying stuff with our credit cards. Lots of stuff. The nation’s credit card debt [...]
Orchard Bank credit card Orchard Bank, part of megabank HSBC, offers three credit cards plus a secured card for consumers needing to rebuild their credit. You simply apply and the bank decides which card you qualify for based on your credit worthiness. The unsecured cards come with annual fees ranging from $39 to $59, depending [...]
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