Credit Card Debt

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Use the Web to Take Charge of Your Credit

We use credit to make many substantial business deals, such as buying a home or car, or obtaining a loan. Other times, we simply want to use a credit card to make our daily lives a little easier. Whether you want to learn how to select the right credit card, protect yourself from identity theft, or learn how your credit score affects the loans you receive, the Web can serve as your guide to understanding, establishing, and maintaining good credit. For a Spanish-language version of the Guide, click here.

What is Credit?

The credit card industry mailed more than six billion credit card offers to households during 2005. ... read more »

Finding and Improving Your Credit Score

Your credit score can have an impact on many aspects of your financial life, perhaps none more ... read more »

Choosing the Right Credit Card

There are credit cards to suit a unique array of personal needs. Flight miles, cash-back rewards, ... read more »

Credit Card Debt

If you're even asking this question, the answer is probably yes. In fact, because credit card debt typically carries the highest interest of any form of debt, any at all can be too much. If you find yourself struggling with credit card debt, the Web can be a good source of ideas to start correcting the problem.

Dulcinea's Insight

  • Your credit rating can affect your finances for years to come. Despite the good advice you can find on the Web about reducing or consolidating your credit card debt, you should always speak with a qualified accountant or other financial professional to begin your debt reduction.
  • Some debts, such as those with higher interest rates, are better to pay off before others. MSN Money can help you sort out which debts to pay off first in this article. Sometimes lowering your credit card's interest rate can be as easy as asking. Credit card companies often grant such requests, especially to customers who usually pay their bills on time.

Dulcinea's Picks

To learn how to avoid credit card debt ...
For debt and credit counseling information ...
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Teens, Young Adults, and Credit

Approximately 83 percent of undergraduate college students possessed at least one credit card in ... read more »

Protecting My Credit

With so many people using credit cards, credit card fraud has become a lucrative ... read more »

What is a Credit Union?

If interest rates are starting to look too intimidating, it might be time to consider a credit ... read more »

Home Equity Loans and Lines of Credit

Home equity lines of credit have much lower interest rates than credit cards and are more flexible ... read more »

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