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Credit Card Debt Archives

There is a solution if your child took out credit in your name

If your teen has run up a credit card that they did not let you know they had, all may not be lost. Debts accrued by those under the age of 18 may not be enforceable by law, which can help save your child from having damaged credit before understanding what that even means.

Credit card debts to top $1 trillion in America

If you're carrying credit card debt, you're not alone. Millions of Americans have debt, and credit card debt is just one kind. With the average household having thousands in debt, it's no surprise that the spending habits of Americans has caused the national credit card debt amount to grow significantly.

Know your debts: The good and bad of credit cards

There are many different reasons that you can fall into credit card debt. Maybe you needed to finance your schooling, or you decided to put the purchase of a vehicle on a credit card. Maybe you opted to use credit to furnish your home or to buy groceries when you were short on your paycheck.

A subtle factor may influence how you pay your credit card bills

If you have credit card debt, you may be simply making the minimum payment every month. On a monthly basis, this may make sense as it allows you to keep more of your money. But in the long term, you will be paying out much more money due to interest rates than you would if you made larger payments.

Three ways to address credit card debt

There is no great shame in carrying heavy debt on your credit cards, but it can cause a tremendous amount of financial strife. The fact is, most people go into debt due to events beyond their control, such as a family medical emergency or divorce. Sometimes circumstances require pulling out the plastic, but the debts can add up quickly. Add monthly interest charges and credit card payments can place a tremendous strain on your household budget.

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