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The Severe Drawbacks of Payday Loans Payday loans are often touted as an easy solution to financial problems - they're not! Although they have a place in the financial services industry, they can have severe drawbacks if not used very carefully. Getting The Best From Balance Transfers While credit card balance transfers are perhaps not as popular as they once were, they can still offer great benefits if used properly. Find out how to make the most of the facility. Selecting An Appropriate Credit Card For Your Lifestyle With so many credit cards on the market, you need to narrow down your selections before making a choice on which to apply for. What criteria should you be looking at? Grab a Slice of the Cash Back Action Cash back credit cards are one of the latest and most popular crazes to sweep the personal finance industry. Find out why you should grab a slice of the action too. Secured Consolidation Loans - Useful But Not Perfect Secured loans are often presented as the ideal answer to all sorts of financial problems. Unfortunately, while they can be extremely useful, they also have dangers which need serious consideration. Credit Rating Recovery After Debt Consolidation Many people suffer damage to their credit ratings before deciding to take out a debt consolidation loan. What's the best way to clear this damage up? Why Can't I Get a New Credit Card? After enjoying years of easy access to credit, many people are now finding their applications are being denied. Why is this, and can anything be done? What You Should Know About Getting Debt Help Levels of debt are reaching epic proportions. Why is this, and what can you do to get yourself out of trouble? The Seven Deadly Sins Of Credit Card Use Credit cards are a very convenient part of modern life, but can lead to trouble if not used carefully. Find out the seven biggest mistakes to avoid. Effective Use of Credit Card Balance Transfers Using a credit card balance transfer facility is not as popular as it once was, but it can still be a very effective way to handle debts. Find out how to make the most of this useful feature. An Introduction to Loan Repayment Holidays Loans offering a repayment holiday facility are becoming increasingly popular. What exactly does this feature offer, and who can benefit? The Bare Minimum You Should Expect From A Credit Card The credit card has over the years evolved into a complex beast, with many often conflicting features to consider before applying. Before comparing the extras tacked on to a card, you need to make sure the basics are right if you're going to get a good deal. Choosing Between Cash Back Or Rewards Credit Cards These days, more and more credit cards are offering enticements to spend more in the shape of cash back and rewards programs. Which version is right for you? Is It Worth Applying For A Platinum Credit Card? There are many things to consider when applying for a credit card, but is being a status symbol one of them? Read why applying for a platinum credit card might not be the best course of action. How Debt Consolidation Can Go Wrong Consolidation can be a powerful tool for getting in control of your debts, but can also be dangerous if done badly. Find out the pitfalls to avoid when consolidating your debts. Staying Out Of Trouble With Your Credit Card While credit cards can certainly be convenient and useful, they can also pose dangers to your financial wellbeing. Following a few simple rules, however, will keep you out of trouble. Credit Cards And Your Credit Score Your credit rating is the major factor in deciding what kind of credit card is worth applying for. Find out what you can expect at different levels of credit scoring. Is It Time To Upgrade Your Credit Card? If you've been using the same credit card for several years, you could well be missing out. Competition in the credit card industry over the years has delivered more and more benefits for cardholders. Is it time you upgraded to a better deal? Balance Transfers Plus A Savings Account Equals Easy Cash The practice of shifting debt from one credit card to another to take advantage of 0% balance transfer deals isn't as popular as it once was, but a related activity is still alive and well. Find out how balance transfers could actually make you money for nothing. Does Your Credit Card Pay Its Way? Most people by now aware of the potential dangers of credit cards in that it's all to easy to run up excessive debts. However, not as many people realise that using a credit card can actually be a profitable activity. Credit Card Basics Applying for a credit card is a common online activity, but how can you decide which one to go for? Understanding the basics will go a long way in helping you to reach your decision. Three Reasons To Check Your Credit Card Statement Opening and reading your credit card statements every month can easily be neglected in favour of other more interesting activities, but this could be a mistake. Read the three reasons you should stay on top of your statements. Are Balance Transfers Still Worthwhile? The introduction of credit card balance transfer fees has taken a lot of the steam out of the activity known as card surfing, as it is no longer possible to move debt around for free. But does this mean that transfers are no longer worthwhile? How Credit Scoring and Loans Interact Your credit score is one of the most important factors in getting approved for a loan. How is it calculated, and how does it affect your application? Do You Really Need A Secured Loan? You might not always know it from the bright and breezy TV adverts, but a secured loan is a very serious financial commitment, potentially putting your home at risk. Before applying, it's a good idea to ask yourself whether an alternative is a better option. Enjoying the Benefits of a Prepaid Credit Card Prepaid cards are an increasingly popular kind of payment method. But why might you choose one over a normal credit card? Do You Really Need A Credit Card? What can you do if you want the convenience of a credit card without the risk of running up debts? There are three main alternatives you should consider. The Downsides to Debt Consolidation Debt consolidation is often portrayed as a simple way out of your debt troubles and money worries, but when is life ever that simple? There are drawbacks to consolidation that you need to bear in mind before making your decision to continue.