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Are you depressed paying all your monthly income in multiple Credit Card debt? Well, I am. I’ve been a credit card user since two years ago and until now I can’t manage my monthly bills without having a penalty fee or an uber high financial interest.

I know a lot of people who suffered from this. Last year, my bank mailed me a credit card because I have a good record of savings in their bank. I also think it would be much better if I use a credit card whenever I want to buy something. At first, it was going simple. I buy something that I need and pay my monthly bills on time. No problems at all.

But as time goes by, I didn’t noticed that I buy something that I don’t need thus my monthly bills got higher plus the financial, missed bills and annual fees. My salary is not enough to pay them immediately so until now, I still can’t use my credit card and I have to be thrifty just to reimburse those bills.

Last night, I found a website that could help me in managing my credit card. I thought that credit cards are nightmares; I just don’t know how to use them. They guide their client about their monthly credit report and how to escape from debts. Their goal is to provide credit card users a broad knowledge required to help us find the best credit score to fit our desires. 

And I also learned from their site that loans are evaluated on the basis of the beacon score at equifax. If you have poor credit scores then the amount of interest for the same would be very high. There are also chances of only being given secured loans. But with good credit scores you can get lower rates of interest and the loans provided may or may not need collateral.

This entry was posted on Monday, November 17th, 2008 at 11:28 pm and is filed under credit card, critic. You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response, or trackback from your own site.