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Debt Management - Offers list of the most commonly asked questions about our credit counseling program.

Credit Management - Debt management specialists offer credit counseling services to consumers with credit problems.

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Consumer Credit Tips

Pay more than the minimum each month. Credit card issuers love it when you make only the minimum payment because its mostly interest you're paying. By making the minimum it can take years to zero out your account because only a small fraction of your remittance goes to principal.

Negotiate with your credit card company. Competition for card holders is fierce. If you have a good track record with your current issuer, more than likely they will offer a concession on rates and terms.

Get rid of all but one card. Why carry a dozen credit cards when you need only one: either Visa or MasterCard. They are accepted at virtually all retail establishments. Having just one account makes life so much easier.

Set up a budget. Sounds so simple doesn't it? Yet, many overlook this most basic concept. It's as easy as 1-2-3. List your monthly income and total up your monthly expenses. Now live within those those parameters.

Credit cards can be boon in emergencies or if you are able to pay off the balance each month, but be wary! Credit cards can also get you into deep trouble. Here are some helpful hints on using credit cards:

* Think before you buy. If you are not able to afford the purchase now, chances are you won't be able to afford it in a month when the credit card bill comes in!
* Carrying balances. Some cards charge 20% or more in interest. (Interest is usually called "finance charges" on your statements.)
* Fixed rates aren't always fixed! A credit card company can change the rate by informing you 15 days before changing the rate.
* Look at your statement carefully and call the company right away if you have any questions.
* There is usually a large finance charge for cash advances and interest begins accruing as soon as you take the money out, not after the next statement closing.
* Be aware of annual fees. Many times you are charged $50 or more just to have the card.
* Watch out for introductory offers! When you receive a credit card offer in the mail with a low rate, it may expire in three or six months. Note when and by how much the rate increases after the "introductory offer" expires. You may not remember when it expires, but the card company will.

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