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Credit card companies have a business model based on keeping you in debt as long as possible. They make statements difficult to comprehend with the expectation that you’ll just make the minimum payment to make that big ball of stress go away for another month. In truth, there’s a lot of information on there that can empower you as a consumer.

Let’s look at three steps you can take to lower the APR on your debt.

He’s making his list and checking it twice. Unfortunately, though, the scammers making the list aren’t being so nice.

Here’s what you need to know about these scams.

‘Tis the season to be jolly, but many of us may be feeling grinchy this year. With the pandemic still a looming threat to our health and happiness, the economy still a hot mess, and so many of our favorite seasonal activities canceled, getting into the holiday spirit can be challenging.

Lucky for you, we’re feeling nice, even during these naughty times. We’ve compiled a list of tips and strategies to help you keep the cheer in the holidays this year, even during COVID-19.

Understanding how a credit card works can help the cardholder use it responsibly.

Here’s all you need to know about responsible credit card usage.

The new year is almost here. Are you ready? Have you taken any steps to prepare for the financial realities of the coming year?

Here are some tips to get you started.

Keep your holiday dollars in check and you may have some holiday spirit left over, even after the last elf is packed away and the January bills start rolling in.

From shoplifting to stampedes, nothing rings in the holidays more fondly than a couple of parents doing battle in the aisles over the last bargain Barbie on the shelf.

Craziness aside, though, Black Friday is the high holiday for serial shoppers. Social distancing and mask wearing are not going to keep them away from the thrill of the deal. But shopping this year does pose a few questions. Here are some answers.

We all grow up hearing the same financial advice: Spend less, save more, and invest early. While most of these words of wisdom ring true, there are lots of widespread money management tips that are actually false.

Outlined here are 7 money myths that might be causing you more financial stress than benefit.

Keeping your privacy, money, and sensitive information safe when browsing the internet is simple; all it takes is awareness, some proactive steps, and lots of common sense.

Here are some steps you can take to keep yourself safe online.

Choosing to pay a bill with a card can have a significant impact on your general financial wellness — for better or for worse. That’s why it’s important to consider the many variables of this decision before going ahead with it.

Let’s take a closer look at the pros and cons of paying monthly bills with a credit card or debit card.