Reward cards: leverage for your planned purchases?
Photo by: Hsi-Pei Liao (Stock Exchange)

Savvy consumers like UWSA readers know that there are certain things you have to know before accepting any credit card offer.

Basic aspects of your credit agreement such as APR, maintenance fees, and overage charges can make a huge impact on future dangers of credit card debt.

A little while ago, we discussed how to use your debit card to help accumulate savings for small purchases and medium-term goals.

This time, we’ll talk about maximizing benefits from your credit lines. (more…)

Your budget’s best friend ... or worst nightmare?
Photo by: Michal Ufniak (Stock Exchange)

Just get a fancy new smartphone? Hidden fees and costs from your phone plan can drive up your credit card balances and bloat your telecom bills beyond your worst nightmares.

But there are ways you can fight back to “trim the fat” and still benefit from the great features of modern phone technology. If you take a few steps to be savvy, you can enjoy your phone and keep your credit card payments low.

Here are a few tips.

(more…)