Step Back and See How Credit Has Monopolized Our Lives
In the financial world, the word “credit” is used to hide the word “debt”. If we replaced all financial terms that has the word “credit” with the word “debt”, we’ll probably find yourself less likely to utilize our “debt cards”. When we are asked, “what is your credit?”, we usually answer with our FICO credit [...]
Getting $10 Removed On Late Fee For Late Credit Card Payment
I should be ashamed of myself for having paid my credit card bill 5 minutes after 5:00PM on the due date. There are people who have never been late on a payment and it is sad how a personal finance blogger such as myself could make such a stupid mistake. Knowing the possible repercussions of [...]
The Credit Report Security Freeze I Did Not Request
So I tried to access one of my free annual credit reports from Equifax yesterday and I was told they couldn’t give it to me because of a security freeze. Last year, when I checked my report before opening my first credit card, everything was fine. That moment of fear struck me, assuming someone had [...]
Requested My Citicard Cashback Check
As of last month’s statement, I’ve reached the minimum cashback balance and I didn’t wait to request the rebate check. It has almost been a year since I opened this credit card account. With the intro offer of 5% cash back on groceries, I was expecting to reach the $50 cashback balance much earlier. The [...]
Sudden Credit Limit Increase and APR Decrease
Yesterday, I received an email confirmation that my statement was ready. And, as I usually do I pay off my balance immediately. Citicards has a great web account interface that actually shows all the details of your account such as the balance, due dates, statement dates, credit line information, APR and cashback balance. About 3 [...]
