Open Your Mail

Save all the credit card offers you receive over several months. Then go through them carefully. While most aren't worth the paper on which they're printed, there are some gems-especially for short term loans.

Problem: If you use an introductory rate to pay off balances on higher-rate credit cards, keep in mind that you'll have to either pay off the balance within slx months...switch to another card at that time... or pay a hefty rate after the introductory period ends. If you're not willing to put the time into finding a new card, you're better off choosing a card that has a slightly higher, more stable rate.

Consolidate Your Credit Cards
Here's how: Call the credit card company to which you want to transfer your balances (...
consolidate-your-credit-cards.php

Rack Up The Credit Card Freebies
Caution: These cards are often expensive, with high annual fees and interest rates. In most cases, you'll have...
rack-up-the-credit-card-freebies.php

Demand A Better Credit Card Deal
Here's how: Call the customer-service department and politely tell the represe...
demand-a-better-credit-card-deal.php