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How much do YOU owe on your charge card accounts? The average American family is now over $7000 in outstanding debt just on their credit card accounts. That outstanding debt generates an interest charge of over $105 each month if your card charges the average 18%. If you have missed a payment or made a [...]

Is debt settlement right for you? This may give you the answer…. Hi, my name is Joshua Rodriguez I am the founder and editor to JEMCreditCards.com. In working with a financial help website viewed by thousands of people all over the country by thousands of people every day, I have come across many questions about [...]

Due to the undeniable state of the economy, many consumers have found themselves in financial hardship situations. In these situations, overwhelming credit card debt can be a burden that seems to never go away. Fortunately, with the downfall of the economy banks have had a rise of financial hardship programs and departments. This means that [...]

JP Morgan Chase is a fairly large company in the lending institution circle however, when it comes to balance transfers, the selection is fairly limited. This doesn’t mean however, that Chase is not a good choice for balance transfers for you in particular, however, it does mean that they don’t really have balance transfer credit [...]

Many people use credit cards on a day to day basis. If used properly, credit cards can be a great thing. However, banks have instilled processes in the use of credit cards that can be detrimental to the financial stability of a household. One of these processes is the use of credit card cash advances. [...]

Q: Does Target Credit Card company offer the financial hardships program? Asked by: Helen Tozser Answered by: Joshua Rodriguez A: Target credit cards are broken into 2 separate categories, the Target Visa Card and the Target Store Card. Through research, I found that the Target Visa Card offers a financial hardship program however, the Target [...]

Today, credit cards have become an essential part of the average Americans life. Many people use credit cards for all purchases from groceries to vacation reservations. However, due to the economy, paying back what has been borrowed on credit cards has become increasingly difficult and many people are falling into the debt trap. Fortunately, many [...]

Credit cards have become an important part of the average American lifestyle. It is almost impossible to buy some things or plan a vacation without a credit card. This puts people in a bit of a pickle when it comes down to interest rates and other fees that credit cards make you susceptible to. However, [...]

As the economy continues to decline, more and more consumers are finding themselves with overwhelming credit card debt. Not knowing what to do, many consumers are looking to balance transfer credit cards to provide the ultimate answer. Although, this may work for some debtors, it’s not a great solution for all consumers. There is only [...]

The economy has caused many issues for the average consumer. Unfortunately, many people have fallen into credit card debt and are not sure what they can do about it. There are many options and to go over them all, you would be reading this article all day. However, you can find great ways to pay [...]

It is very unfortunate that the majority of American households have a great deal of credit card debt. Even more unfortunate is the fact that credit card education isn’t widely offered to the public. As a consumer credit counselor, I have worked with many clients that seemed to be buried under a huge mountain of [...]

Due to the downfall of the economy, Americans are seeking more and more ways to pay off debts and make money! I have been asked countless times, “Is it true that someone can make money using credit cards? If so, How?” Yes it is true that you can make money using credit cards, it’s not [...]

Ever since credit cards came into existence, people have been realizing the effects of excessive use of the cards. Debt has built up and today, debt is one of the few common concerns with people across the world. This is because all though credit cards have come to be very easy to obtain, the knowledge [...]

OK, so I’ve gotten a few emails saying that the financial recession is over. In fact, if you look at reports it is over but, how many consumers feel like it’s still here. The fact of the matter is that many consumers these days suffer from credit card debt. As a matter of fact, the [...]

It is an unfortunate reality that most people in the United States currently have thousands of dollars in credit card debt. What is even more unfortunate is that the interest rates on this debt tend to be above 19.99%! This means that not only does the average American have debt but, they also pay very [...]

It is an unfortunate fact that the average consumer these days in the United States carries thousands of dollars in credit card debt. In many cases, this debt is being charged high interest rates and consumers feel like they are trapped by the burden of their monthly payments. However, can making your payments a certain [...]

Let’s face it, we all have credit cards. It’s just hard to get by without one. Something else we all generally have in common, interest rate hikes have been taking over our accounts and we don’t agree with it. I have read many articles about reducing credit card interest rates and just about everyone wants [...]

OK, before I get to writing this article, I want to say “In no way does it affect me if you decide to choose one of these ways to relieve debt accept for balance transfer credit cards” also, “If you think that this is the only reason I would bring these up as a debt [...]

As you can see from the above news headline, credit card debt is sweeping the country. Unfortunately, due to the financial recession, consumer credit card debt levels are at an all time high. However, many consumers most likely just like the family in the video don’t want to work with a third party company to [...]

The way that banks earn money by allowing people to borrow money using credit cards is by charging interest on the debts accumulated through purchases, balance transfers and cash advances. This interest rate also indicates the amount of money consumers will need to pay in order to borrow money using the credit card. There are [...]