While shopping for MBT shoes at a shopping mall yesterday, a credit card sales executive stopped me and asked if I had a bank’s credit card.

It’d been some time since I was stopped by a credit card sales executive.

When is your last time being told of a credit card balance transfer offer or 0% interest rate credit card deal?

I am happy that I no longer have any credit card.

The AKPK debt management program counselor called yesterday morning! Finally, the call that I was waiting for so long came.

I was told to go to the credit management agency this afternoon to sign the debt management program offer letter.

Until now, I still can’t believe that I have got the debt management program. Does signing the offer letter mean that my debt management plan is approved?

I think I will only believe it’s true after I sign the offer letter this afternoon.

As I have no more credit card with me, I can only use cash in future. If I want to buy cheap stuffs like groceries or expensive gifts like engagement rings, I must use cash.

I am grateful that God provides me with lots of online assignments so that I can make more money to reduce credit card debt fast.

Being blessed with more money making projects makes me work even faster to complete all projects.

I am not far from my goal of making $100 a day now. So keep on churning out good credit card, home mortgage, insurance quote or wine of the month club reviews.

I am sorry that if you have bumped into my credit card blog and found no offers on credit cards.

You find no recommendations on 0% credit cards, low interest credit cards, balance transfer credit cards, business credit cards or whatever credit cards that you know here. You only see tips and ways to reduce credit card debts or delete negative items off your credit report.

I am a work at home mom who is loaded with credit card debt and is still paying down my debt until today. I started my debt reduction since April 2007. Even though I have stopped adding extra debt to my existing debt, I still need bout 3 to 5 years to fully settle the debt.

If you are thinking of applying for a credit card, you had better not. Use cash.

Oh, ya, you may say that you are a very disciplined person and you can surely pay off the credit card once the statement arrives at your doorstep. Since you are a very disciplined person, I am sure you can save money very fast and use it to buy stuff. So why use a credit card?

Do millionaires get into credit card debts? Only middle income people like you and me get into credit card debt.

Enough preaching. Be a millionaire or a debtor, it’s your choice.

I need to sell more Fenphedra products to pay off my credit card debts now.

Thinking about making a credit card purchase? Before you swipe your card, consider how much you can afford to charge. It will have an effect on your wallet and your credit score.

One of the principles of building a good credit history and staying out of debt is charging only what you can afford to pay. But just how much is that? The amount varies from one person to the next depending on each person’s income, expenses, credit limit, and other credit card balances.

Charge only what you can afford. The amount you can afford to charge mostly depends on your discretionary income – what you have left after taxes and other necessary expenses have been paid. Read more »

As a consumer, you love to see lower interest rates when borrowing money. Whether it is the rate on your credit card, mortgage, auto loan, or any other type of loan, you generally enjoy these lower rates. While lower rates can certainly be a blessing for your debt, not everything is rosy.

As mentioned above, a trend of decreasing rates is likely in response to a weakening economy. This means that other investments such as stocks or real estate have probably not been faring very well in recent months or years.

In addition, lower interest rates also affect things like your savings account. So while you may be paying less to borrow money, you’re also being paid less to lend or deposit money.

When interest rates begin to decline, one of the first places to take advantage is with your high-interest credit cards.

Keep in mind that when the Fed cuts the rate, it can take quite a few months or even years to trickle down to all aspects of your finances. But by planning ahead for this trend, you can position yourself to save money on your credit card payments. Read more »