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Here are all the articles submitted by Michael Strauss

Using credit cards can make day to day life more simple, reducing the need to carry cash and making it easy to shop online and by telephone. However, spending with plastic can sometimes be a little too easy, and many people find their balances get out of(read entire article)
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Choosing a credit card isn't simply a matter of going for the one with the lowest APR interest rate, you need to match the card to the way you spend. Getting it wrong can be costly, so how do you decide which type of card to apply for?(read entire article)
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Credit card fraud costs hundreds of millions every year, and is a distressing and damaging experience for the victims. Fortunately, there are some simple ways of vastly reducing the chances of it happening to you.(read entire article)
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Charity credit cards are often presented as an easy way to donate to charity without any cost to yourself, but is it really that simple? This article shows how there might be more cost effective options available.(read entire article)
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Credit cards are a great convenience, but it can be all to easy to let your debt slide out of control. Making only the minimum repayments will make the situation worse, and this article explains why.(read entire article)
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With the demise of balance transfers as an attractive credit card offer, cashback and rewards schemes are growing in popularity. Find out what they are and how you could profit from using them.(read entire article)
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Credit card rewards programs can be a powerful incentive to use your card more often. How do these programs work, and how do you benefit?(read entire article)
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Credit worthiness is a very valuable aspect of your life and will have strong affects on your future. Find out how using credit cards can influence it to the good.(read entire article)
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Credit card rewards can be a valuable feature, but usually come at the cost of a higher interest rate. Which is more valuable to you, rewards or low interest?(read entire article)
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If you can't get a credit card because of a poor credit history, or you simply don't want to risk racking up debt on one, then a prepaid credit card could be what you're looking for. Find out what they are and how they work.(read entire article)
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Payday loans are often touted as a solution for your money troubles, but they're expensive and can actually make matters worse. Are they worth the effort and risk involved?(read entire article)
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It can come as a shock to realize just how much you're paying in interest on your credit cards each month. Can you get the figures to a more reasonable level?(read entire article)
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Credit cards have become almost totally integrated into modern life and today most adults carry at least one. Are they now an essential part of everyday living?(read entire article)
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Credit cards are so easy to use, we can end up paying for everything with them. To avoid financial penalties, however, you need to stay on top of how you're using your card.(read entire article)
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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?(read entire article)
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Your credit rating is a valuable asset which you need to keep an eye on. Did you know that you can get three free credit reports every year?(read entire article)
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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?(read entire article)
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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.(read entire article)
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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.(read entire article)
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Running a business means that there are dozens of things competing for your time, and so anything you can do to streamline your operation is to be welcomed. Find out how taking out a business credit card can improve the financial side of your enterprise.(read entire article)
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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.(read entire article)
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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.(read entire article)
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Credit card companies are almost gleeful in the amount of jargon they use, rarely using a simple word when a few obscure ones will do. Find out what some of the most common terms mean, and how they affect your choices when applying for a new card.(read entire article)
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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?(read entire article)
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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.(read entire article)
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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.(read entire article)
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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.(read entire article)
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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(read entire article)
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Credit cards are a convenient part of modern life, but unfortunately it can be all too easy to run up problem levels of debt. Knowing when card use is inappropriate will help prevent your card getting you into trouble.(read entire article)
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There are so many credit cards available with different features, it can be hard to decide which one to apply for. A simple way of narrowing the field is to base your decision on your spending habits, rather than being swayed by eyecatching advertisements(read entire article)
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Many credit card advertisements feature a low APR as the most prominent feature, but is that the most important thing with a card? There are many other benefits to consider, which might be more valuable than a low rate.(read entire article)
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Cashback is a feature of credit cards that is rapidly growing in popularity. Why is this and how could you benefit?(read entire article)
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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 de(read entire article)
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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.(read entire article)
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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?(read entire article)
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Despite the recent reductions in the amount you're charged for making a late payment on your credit card, it's still best to avoid it when you can. Find out why there's more than a simple fee involved.(read entire article)
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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.(read entire article)
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Credit cards with a rewards program can be a very valuable way of profiting from your everyday spending, but to get the best out of them you need to use them wisely. Find out how to maximize the benefits you'll get.(read entire article)
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Your credit card's APR determines how expensive it is to use your card, and is one of the most important things to consider when comparing new cards. However, existing cardholders need to keep an eye on their APRs too.(read entire article)
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Applying online for a credit card is easier than ever, but there is a danger to be aware of. Find out the harm it can do to your credit rating, and how to avoid it.(read entire article)
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Credit card cheques are touted by card issuers as a convenient way to use your account when cards aren't accepted, but it's not always made clear how much they cost.(read entire article)
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Prepaid cards are an increasingly popular kind of payment method. But why might you choose one over a normal credit card?(read entire article)
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Credit cards are almost ubiquitous these days with most adults carrying at least one. What are the benefits that have made them so popular?(read entire article)
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The days when you had a limited choice of credit cards are long gone. The web makes it easy to compare hundreds of cards and apply online to get a quick decision.(read entire article)
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There are many options available to people looking for credit. What are the major kinds of loan available, and what would you use them for?(read entire article)
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Credit cards with an introductory 0% deal offer undoubted advantages to their holders. How could you benefit from applying for one?(read entire article)
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More and more people are finding that using a rewards credit card earns them valuable benefits over the course of a year. Seeing as you work hard for your money, why shouldn't your credit card work for you too?(read entire article)
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Nearly everyone today is carrying a debt to some extent, and while most of us can cope with the repayments there are significant problems for a sizable minority. Could debt consolidation be the solution to these problems?(read entire article)
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Levels of debt are reaching epic proportions. Why is this, and what can you do to get yourself out of trouble?(read entire article)
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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.(read entire article)
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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 opti(read entire article)
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If you have several credit cards carrying balances you may be able to save money by consolidating them into a single card account. Just pay attention to the interest rates and be sure the figures add up.(read entire article)
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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?(read entire article)
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Are you properly prepared to make a loan application? There are certain basics you need to know about before plumping for the perfect loan deal.(read entire article)
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You've doubtless seen the media coverage of the so-called credit crunch that has had the economists and bankers growing increasingly worried recently. However, it's not just an issue affecting the arcane world of high finance, it will have consequences fo(read entire article)
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Loans offering a repayment holiday facility are becoming increasingly popular. What exactly does this feature offer, and who can benefit?(read entire article)
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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?(read entire article)
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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.(read entire article)
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Homeowner loans are often cheaper and easier to be approved for than unsecured finance, which has lead to them becoming so popular. There is however the risk of property loss involved, and this needs to be balanced against the advantages when making the d(read entire article)
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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?(read entire article)
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Most credit cards feature different interest rates depending on how they're used. Purchases, balance transfers, cash withdrawals, introductory offers... the number of different rates can be confusing. Flat rate cards charge the same APR for everything, ma(read entire article)
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Credit card balance transfer offers were so popular that they ended up costing the credit card industry serious amounts of money. Something had to be done, so the balance transfer 'handling fee' was born.(read entire article)
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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.(read entire article)
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Despite being so commonplace in modern life, credit cards have a relatively short history. Read when the first cards appeared, and how they developed into the products we know today.(read entire article)
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Affinity credit cards are becoming increasingly popular, offering a new range of benefits and features. Find out what they are, what they offer, and whether one could be right for you.(read entire article)
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Credit card companies are notorious for squeezing every last drop of profit out of their customers. Find out the ways they do this and how to keep in front.(read entire article)
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Gas credit cards are now available from almost every gas station it seems. Why would you choose one over an ordinary card?(read entire article)
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