Department store credit cards are easily just as popular as regular credit cards; maybe even more popular because many times they are easier to obtain. Some store specific cards are great, with low interest rates and already great prices at the store can save you lots of money, especially if they offer so many months interest free. There are also many store credit card with extremely high interest rates, these are best to avoid but if you have less than perfect credit you will most likely have to get a higher interest rate card anyways. Here are some great articles and posts discussing pros and cons of department store credit cards, it is always best to educate yourself on credit before you become overwhelmed with debt.

1. Innovative Credit Consultants – This blog explains that department store credit cards can help your credit score but do not carry the same weight as regular credit cards.
2. Zero Percent Credit Cards – This is a blog about how department store credit cards are very helpful but depending on how they are used can be harmful.
3. Bible Money Matters – This is a blog about one consumer’s terrible experience with a department store hard selling a credit card and what the author sees as disadvantages to the card.
4. The Simple Dollar – This blog gives a few reasons why department store credit cards are a bad idea no matter what perks you get right now.
5. Home Mortgage & Home Equity Loans – This is a blog post that balances the good and bad aspects of department store credit cards.
6. Real Fina – This is a very simple blog that explains how department credit cards work and why they are usually advised against.
7. Frugal Dad – This blog is about the personal experience of one dad who laments about what department store card companies do not tell the consumer.
8. Small Business Plan – This blog warns against the use and temptation of department store credit cards.
9. Save Money Spot – This article tells why unless you can pay off your balance every month, there are more disadvantages than advantages to department store credit cards.
10. Expat Guide – This is an interesting article about the Larry Rule and how department store credit cards are not always helpful to your credit score.
11. Woodridge Credit Management – This is an article that outlines both advantages and disadvantages of using a department store credit card.
12. Debt Consolidation Union – This article details many of the advantages of department store credit cards.
13. ChristiaNet – This is a post about how department store credit cards can be either life saving or nightmarish.
14. Credit Cards Assist – This is a blog about how the disadvantages of department store credit cards are catching up to them and their waning popularity.
15. Airline Card – This article examines both the advantages and disadvantages to department store credit cards.
16. Bessed – This article has a list of cards that offer great rewards and has commentary on what some advantages and disadvantages are of department store cards.
17. Credit Card – This is a blog article about how there are some advantages to using and applying for department store credit responsibly.
18. Credit Card Advices – This is a blog about how department store credit cards can play a proactive role in managing and building credit.
19. The Mortgage Mark – This is a blog that gives a detailed process of how to build or rebuild credit and how department store credit cards are key in that strategy.
20. Online Newsletter and Journal – The pros and cons of department store credit cards are outlined in this blog.
21. How to Pay Credit Cards – This is a concise outline of advantages and disadvantages of using department store credit cards.
22. Credit Cardian – This blog looks at one department store card in particular and examines its pros and cons.
23. The Best Blogger Info – This blog has a brief description of what some pros and cons of department store credit cards.
24. Banks – This blog gives some great reasons why you should or should not apply for department store credit cards.
25. Motley Fool – This blog explains how department store credit cards are best left at home to stop adverse spending.
26. Cosmos Credit Solutions – This is a blog with bulleted pros and cons to department store credit cards.
27. Money Management Guide – This is a balanced article about the pros and cons of applying for and using department store credit cards.
28. Mall Directory – This blog has both pros and cons of department store credit cards but seem to favor the pros rewards and ease of receiving the credit card itself.
29. Loan Doctor – This is a very detailed breakdown of the pros and cons of department store credit cards.
30. Monochrome – This blog recognizes that department store credit cards have their pros and cons but suggest their usefulness in acquiring easy credit.
31. Credit Infocenter – This is a blog that discusses the pros and cons of department score credit cards and why you should exercise caution at the checkout counter.
32. Your Real Estate News – The author of this blog talks about the advantages and disadvantages of department store credit as a revolving credit line.
33. The Smarter Wallet – This blog compares the pros and cons of all different types of credit including department store cards.
34. PRLog – This is a blog that explains that the FICO scoring for credit reports make department store credit cards invaluable.
35. Media Master – This is a blog with very strong arguments both for and against using department store credit cards.
36. The Digerati Life – This is a very fair account of why department store credit cards are only good for those who do not abuse credit.
37. Buy Credit Card – This blog uses examples to demonstrate why department store credit cards can be either good or bad for consumers.
38. Master Your Card – This author gives his opinion on why he doesn’t like department store credit cards and examines some pros and cons.
39. Duns Number Lookup – This is a blog that describes some pros of having department store credit cards.
40. Men’s Playbook – This is a blog designed to help men understand the pros and cons of department store credit cards.
41. SGShopping Directory – This is a blog that considers the advantages of building credit and the disadvantages such as high annual percentage rates associated with department store credit cards.
42. Master Your Money – This is an article that celebrates the many uses for department store credit cards with some warning about interest and overuse.
43. Best Credit Card Blogs – This blog has 11 pros and cons of department store credit cards.
44. Nettie Prenett – This blog asks whether the high credit limits and other advantages of department store credit cards are worth the high interest rates.
45. Cheap Skate Living – This is an article that examines the risks, impact, and rewards that a department store credit card can yield.
46. Mario9523403 – This post reminds consumers that there are some advantages to having one or two department store credit cards but misuse or overuse can be risky.
47. Suite101 – This is a blog that outlines many of the advantages of department store credit cards.
48. CreditorWeb – This is a blog about the advantages department store credit cards have for first time credit establishment.
49. CreditCards.com – This is an article that explains 4 reasons that you should get a department store credit card.

Image Credits: jbcurio

There are ways that you can use a credit card and be responsible about it.  From large purchases to monthly expenses, these can be a good way to help you track what you spend and be able to live within your means and avoid the credit card debt trap.  You can even teach good spending habits to yourself and teenagers to help create good spending habits.  These links provide a wealth of information to give you the tools you need to find financial success.

1. Jason Bagley:  Jason gives some tips on how to use a card for smart purchases. Explains how to use a credit card the right way and save money.
2. Fair Loan Rate:  Looks at when you should use a credit card.
3. Provident Planning: Looks at ways to be smart when using your card. This gives you the basics and where to start to be smart with your credit cards.
4. Money Crashers:  Looks at smart and poor choices with credit cards.
5. Couple Money:  Looks at how to use a credit card as part of a life money plan.
6. Debt Guru:  Looks at a plan on how to use credit cards wisely.
7. Investor Junkie:  Looks at using cards responsibly. It also discusses 0% credit cards and their appeal to consumers.
8. Green Panda Tree House:  Looks at how to use credit cards.
9. My Open Wallet:  Looks at using a card smartly for everyday use.
10. The University Blog:  Offers 10 money tips, including what to use credit cards for.
11. American Consumer News:  Looks at the best way to use credit cards.
12. Master Your Card: Looks at how to use your card wisely with tip tips.
13. Credit Loan:  Looks at the smart way to use cards. It provides tips to use a credit card effectively.
14. Entrepinoy Bank:  Looks at ways to use credit wisely for personal or business.
15. Creditor Web:  Looks at ways to spend money on a card smartly.
16. Find Secured Cards:  Looks at 7 tips on how to use a credit card. Discusses the importance of knowing when your bill is due.
17. Credit Card Assist:  Looks at things you should buy on a card and when.
18. The Digiterati Life:  Looks at ways to save money with credit and debit purchases.
19. Bargaineering:  Looks at responsible spending on credit cards.
20. Credit Card Quick:  Looks at teaching teens how to spend responsibly.
21. FWISP:  Looks at 5 tips to spending well.
22. Accounting Financial & Tax:  Looks at what spending smart means.
23. Dappered:  Looks at store cards and how they can help you spend well.
24. Credit Card Offers IQ:  Looks at paying off debt every month as a strategy to being a smart shopper.
25. Financial News:  8 tips to teach teens what to buy.  Some of the tips included are; getting a credit card, opening a savings account, putting the teen to work, creating a budget, and more.
26. Credit Card Rewards:  Looks at setting up a spending budget to buy anything on credit.
27. Free From Broke:  Shows the benefits of credit card spending.
28. Living Grace:  Looks at spending wisely, not wastefully.
29. Good Financial Cents:  Looks at credit cards and spending to make the most of them.
30. Life, Etc.:  Looks at how credit cards are good for you. Shares how credit cards are credit building.
31. 8 A Collective:  Looks at ways to use your card wisely.
32. Security 4 Web:  Looks at the Dos and Don’ts of owning a credit card.
33. Productivity 501:  Looks at the top reasons to use credit cards.
34. Penny Pinching Hints:  Looks at what to use a card for in college.
35. Eioba:  Looks at ways that you can use a credit card well. Also discusses how many people carry a card to avoid carrying a lot of cash on them.
36. Cheap Credit Cards:  Looks at 7 tips to using credit cards.
37. Studenomics:  Looks at ways to use a card responsibly.
38. Money Under 30:  Looks at how to use a card for monthly expenses.
39. Ask Mr. Credit Card:  Looks at using a card for the holidays. Gives tips on how to stick to a holiday budget, track your spending, knowing your credit limit, etc.
40. My Money Blog:  Looks at ways to use your credit card for big ticket items.
41. Money Ning:  Looks at being responsible with credit cards.
42. Find College Cards:  Looks at the pros and cons of credit cards for expenses in college.
43. Man Vs. Debt:  Looks at the spending habits of responsible credit card holders.
44. Well Heeled:  Looks at how to identify if you need to spend using a credit card.
45. Money Help for Christians:  Looks at spending with cash and credit.
46. Mind Your Decisions:  Looks at ways to keep track of your credit card spending.
47. Compare Cards:  Shows how using the tools provided by the company can help you spend better.
48. Get Rich Slowly:  Looks at a guide to everything with credit cards and spending. You’ll find information on low interest rate credit cards, reward credit cards and offers, along with FAQs.
49. Money Smart Life:  Looks at how credit cards can be used to make fiancés simple.

Image Credits: numberstumper

Credit cards have, without a doubt, changed how people shop entirely. The credit card has become the most important tool in online shopping, which has been increasing steadily during the last few years. Credit cards have become the most prevalent yet controversial financial tool known to man, and there has been a lot of heated debate over them since the passing of the CARD Act last year. A balance of advantages is currently being sought between the banks, lenders and card holders. While consumers are more aggressive than ever in their quest for fair treatment by credit card companies, the companies are offering more incentives and higher hidden interest rates than ever in order to try to hold onto the attention and trust of the American shopper.

1. Consumers face changes with banks, stores, credit cards Post illustrates some of the complications that consumers face.
2. Credit Card Changes Could Affect Your Next Purchase Changes in the economy are affecting credit card rates.
3. CreditCards.com survey: Retail credit cards boost rates, cut rewards Retail stores’ credit card terms are stricter than average, making it harder for the consumer but more profitable for the retailer.
4. Credit Card Debt and the Change in American Shopping Habits The recession seems to be the catalyst for a decrease in American shopping.
5. Mish’s Global Economic Trend Analysis: Holiday Shoppers Shun Credit Cards Use Cash; Self-Serving Fed Infomercials States there were more shoppers last year, but spending average was down, and that cash was preferred.
6. With financial overhaul agreement, consumers face changes with banks, stores, credit cards A more stable national consumer protection group is being formed, but consumers may notice some unlikable changes, such as minimum credit card purchases.
7. Target Takes Its Credit Cards Private Target is offering their credit cards as store only now. The writer asserts that the store is trying to tie buyers to the store while it offers less incentive with the new credit card.
8. Credit Card Changes in the First Half of 2010 Credit card rates are raising, but card companies are offering targeted incentives and bonuses to increase spending.
9. Beware! Online Shopping With Credit Cards Is Dangerous Shoppers need to be aware that shopping with credit cards online need to be cautious.
10. Just One Word: Plastic How the rise of the credit card changed life for the FORTUNE 500–and for the rest of us Discusses the evolution of the credit card since it was introduced in 1958.
11. New credit card changes a big step forward Recent changes are forcing consumers to face reality of card obligations and discourages shopping sprees.
12. Is Consumer Profiling Affecting Your Credit Cards? States that some large banks are practicing consumer profiling that is having a negative impact on credit card rates and limits.
13. Change Behavior with Preparation and Planning A guide to change spending habits, as well as other harmful habits.
14. Upcoming credit card changes can help you take charge Now is the time to pay close attention to changes in credit card policy.
15. I see America spending. Retail sales are up, credit debt is down. How is this bad?
16. New credit card rules add accountability In May, Congress passed the CARD Act — short for the Credit Card Accountability, Responsibility and Disclosure Act of 2009. Reviews the effects of this Act and what led to it.
17. Are the ongoing credit card policy changes harming your small business? More about the CARD Act and its effect on small business.
18. China Odyssey Tours Travel Arrangement A concise guide/FAQ on what American credit and cash is good for in China. Illustrates the encouragement of international spending and shopping.
19. Free Credit Card Icons For Online-Shops Internet shopping has become so prevalent that the graphic design industry has developed special niche marketing aimed at online shop owners.
20. Banks Offer Virtual Credit Cards for Online Shopping. Entirely online credit card use with online banking and payment options provided.
21. Shopping Guide to Real-Time Credit Card Authorization for Internet Websites An explanation and how-to for online shop owners to choose how to have their customers’ credit card purchases handled and processed.
22. Trust In Your Instincts When Shopping Online with Credit Cards A guide of what to look for in legitimate website shopping.
23. Shopping for Air Miles Credit Cards An example of credit cards offering incentives to be used by shoppers in order to gain rewards and perks.
24. How To Shop Online Without A Credit Card Explains a simple technique to get a gift certificate to use on Amazon.com.
25. Interchange Fees: New Senate Card Rules Could Make Shopping Cheaper The Senate recently forced credit card companies to lower debit card fees as well as allow store owners a discount based on type of transaction.
26. Credit card use is ripe for data mining An interview exposing some credit card companies’ use of data to set credit card limits.
27. Cash Back Credit Cards A website for finding the best credit card cash back offers.
28. Dynamic Credit and Check Card A patent application for a new innovation in credit card use and checking.
29. Temporary Credit Cards for Online Shopping A list of convenient temporary credit cards for purchase that is safe to use online.
30. The Best Cash Back Credit Cards – July 2010 A list of the best cash back credit cards and why to use them.
31. Cheap Travel Money: NEW top card for spending abroad… A list of credit cards that have the lowest exchange rates for shopping outside of the United States.
32. Online shopping- The new trend Online shopping is so common even physical stores are ensuring that online purchase opportunities are available for customers.
33. Buying alcohol? Sign at Safeway An Arizona alcohol store that requires all purchases to be signed – controversial for customers, what is being done with the database of signatures?
34. Why Use a Prepaid Debit Card? Describes the benefits of using a debit card instead of a credit card for purchases.
35. Accept Credit Cards and Watch Your Restaurant Business Bloom Suggests that restaurants should be capable of credit card transactions to boost sales.
36. Shopping For Bargain And Discounts Shopping the annual super sale in Malaysia.
37. “United wiped out 83,000 of my miles!” People that are avidly accumulating credit card bonuses of any sort should know that they could expire at any time.
38. Financial overhaul worries some bankers A review of the recently passed laws designed to protect consumers who use credit cards. A backlash that could worsen the recession is feared by some.
39. Credit card reform might worsen debt for some A consumer expresses her fears of bankruptcy heightened by credit card reform laws.
40. Fashion chain owner posts profit Business owner recovers from massive debt after only one year of overseas and online sales.
41. Struggling to get by? The new age of austerity begins at home England is getting ready for a recession, and suggests to its people to begin living more frugally.
42. Any REALISTIC ideas how we can scale back our budget? There are many people who are just now learning how to scale down their buying in order to take care of living expenses.
43. Money crunch – need some advice A mother talks about mounting bills, including the shopping she would like to be doing.
44. Credit card rates rise right before shopping season Another response to the CARD act by banks nationwide in an attempt to profit from interest rates.
45. How to Accept Credit Cards Online A guide for retailers who want to sell items online.
46. Credit Card Processing for Merchants 101 A guide for merchants to set up to be credit card payment capable.
47. Credit Cards Cornering the Market for Online Purchases? A recent study of data shows that many consumers are using gift cards and debit cards in order to avoid credit cards.
48. Clever Ways to Delay Instant Purchase Gratification & Fight Shopping Addiction A post about fighting the desire for instant gratification that shopping can bring for many.

Image Credits: kevincole

Small business owners and customers alike often have a hard time understanding how credit card processing systems and services work. There are different fees for various companies with often much higher rates for what appears to be the same service. There may be technical jargon that an average consumer may not understand. Before one wants to enter into an agreement with a credit card processing company, he will want to make sure he fully understands all of the fees, the way the transactions are completed, and how everything will work together.

The following list shares 50 articles which will help one to understand all the aspects of the credit card process and how it can benefit both the consumer and the small business owner.

1. Website Marketing Plan: Bobette Kyle’s blog discusses marketing techniques, internet marketing, small business information, ecommerce, public relations, and more
2. Business Know How: Site offers business ideas, marketing, a business directory, e commerce articles, and information on how to start a business both offline and online, franchise options.
3. Practical Ecommerce: Site full of information and resources for small businesses looking to get into the e commerce industry.
4. Instabill.com: Site shares details of what credit card processing is, how to use it, where to find the right company to work with, off-shore options, tools that might help, why your business might need a credit card processing system, offers services and customer service for credit card processing.
5. The Site Wizard: Site offers information on how to use a merchant service, understand how credit card processing, using a personal merchant account or a third party merchant account, lists some of the best third party companies to use with their pros and cons, steps to putting a shopping cart on your site.
6. Dicks Blog: Blog discusses the world according to Dick. Article talks about credit card processing and why one would need it for their business.
7. Jessica Louise: Details the product Paysaber which is a wireless credit card processing tool that all small business owners should have if they want to sell in places like flea markets, trade shows, etc.
8. Emen Chia: Details the positive aspects of securing and using a credit card processing devices for your business. Discusses the fees associated with credit card processing companies like PayPal.
9. Pure Vibracion: Credit card processing security concerns are discussed with a little bit of technical.
10. Arthemia: Describes payment gateways and merchant accounts and how they are used for credit card processing with small businesses.
11. Member Solutions: Helps to explain all the parties and process involved for small business owners when trying to choose which merchant company they should use for their credit card processing.
12. Securosis: Blog covers the technical aspects of how credit card processing equipment works with explanations for authentication, data encryption, key management, and token storage.
13. Hilton Resort Fees Settlement: Claims, Legal Settlements and Finances are discussed on this blog.
14. What Every Merchant Should Know: Talks about protecting the rights of your customers when using credit card processing services for transactions.
15. Peter Bijl Forex and Business Analysis: Discusses the mobile credit card processing system and how it can be used in your business.
16. Template Monster: Hints and tips for choosing the right merchant account for credit card processing.
17. TVDI.net: How merchant credit card processing works. Studies show that shoppers want convenience. Learn how to set up and use a merchant account or 3^rd party service.
18. Credit Card Processing Blog: Tells what businesses can reap the most benefits, how it can be set up, fees involved, how it differs from the other systems online.
19. eWoau News: Wireless credit card processing terminal advantages, disadvantages, cut costs, keeping records, liabilities to consumers, fees for both business and consumer, where you can get a terminal.
20. Trans FS: Article describes how the credit card processing fees are calculated, what the costs are for the system complete with screen shots.
21. Reviews: Read the reviews on the most frequently used processing companies out there.
22. Not as Easy: Credit Card Processing is not as easy as it is usually thought of.
23. Fees: One blogger looks at the fees involved in credit card processing.
24. Processing Basic: Learn about the basics of credit card processing and what it takes to do this.
25. Services and Fees: Look at what it takes to process credit cards. See the fees and the services that are available for you.
26. Services: Learn here what different types of card processing services are out there today.
27. Third Party Processors: Learn what these are and how they can help you in your business.
28. How Does it Work?: Read here to find out how the processing is done and what reoccurring fees you may pay.
29. First Thing: When opening your small business, this is one of the first things you need to find and have added to your store.
30. Market Expertise: You want to find a company that knows what type processing you need to fit your business.
31. By Phone: Now those that have outside service businesses can process their customers cards through a cell phone.
32. Enhance Revenues: Find out why using credit card service can help increase your revenues and sales.
33. The Flow: Here you will find help on understanding the processing flow from when you swipe the card until you get the credit in your account.
34. Online store: Get a better understanding of how you can process credit cards online if you have an e commerce store.
35. Stop Fraud: Learn how you can help stop fraudulent credit card charges in your business.
36. Different Options: Find out about the different options of accepting credit cards and the risks you may face with each type.
37. Customized Systems: Learn how companies can have customized systems to fit their business.
38. Terms: Here you can find help understanding the terms used in credit card processing.
39. Processing Concepts: There are different concepts used in credit card processing. Learn here what they are and what you should know before buying services.
40. Security: Learn how to prevent skimming and other security prevention measures.
41. Lingo: Read here to be able to better understand the lingo used in credit card processing and how it actually works.
42. PCI Compliance: You need to be aware of the compliance issues and what you have to do to meet regulations.
43. Helpful Information: Here are a few articles on how processing works as well as other information like security and fees.
44. The Stuff No One Tells Us: One blogger shares a few tips on dealing with your credit card processing companies and how they work.
45. Rates and Fees: Learn about the different upfront fees and reoccurring costs that you will face when starting your business.

Image Credits: endlessjoel

Carrying a credit card has become almost inevitable in this day an age. What is not inevitable is the interest rate that the consumer has to accept. Whether it’s the first card or a replacement card there are ways to negotiate the best rate. Read beyond the APR and understand how the balance is determined. Is there a grace period and are there any “hidden fees”?

If a current card has become a nightmare there are also ways to minimize the negative impact of debt. Can the rate be negotiated down? Can the debt be settled and will the bank reduce the total balance owed? These questions, and more, are explored in the articles below. Good information is the beginning of determining the best card for your needs. Read and learn about the options available.

1. Compare Cards: This site allows comparison of credit cards to find the best one. Several different search criteria are available.
2. Money Now USA: The ins and outs of credit cards rates and approaches to lower rates on existing credit cards.
3. Credit Cards: Find out what an APR is, how it affects the bill and what hidden APR charges to look out for.
4. American Banking & Market News: Even good customers are in danger of having their credit card interest rates raised dramatically.
5. Think Credit Cards: Benefits of low interest credit cards.
6. Consumer Bad Credit Guide: Getting a credit card with bad credit and how long it takes to repair credit.
7. Credit Cards Co: Learn your credit score and negotiate a better interest rate.
8. Ideas: Do higher credit limits and lower APRs lead to higher debt?
9. Low Cards: Different kinds of APR and how a credit score can impact them.
10. Whale Hook Loans: Why banks charge certain interest rates and what the consumer can do.
11. Saving Advice: Save money by reducing credit card interest rates.
12. Investor Words: Differences between the introductory rate and the long term rate.
13. My Two Dollars: Credit card companies continue to maintain their profits while raising consumer rates and cutting rewards.
14. Economy Watch: Understand how credit history impacts the credit card rate.
15. JSNET: Fees, rates and benefits to examine before getting a credit card.
16. Banking My Way: An improving economy may mean higher interest rates.
17. After Downing Street: Examine legal limits placed on credit card rates.
18. Online Guide to Credit: How to read the fine print in the credit card agreement.
19. Bill Eater: A Comparison chart of interest rates and how they impact the total cost of an item.
20. Mother Jones: Credit card companies are raising rates. Consumers need to be wary.
21. Made Man: Strategies for reducing credit card interest rates.
22. Crown Financial Ministries: Understand fees on credit cards along with grace periods and how the outstanding balance is determined.
23. Married to the Army: Understanding the impact of not paying off your cards every month.
24. Care One Credit: The balance, and how it is calculated is as important as the APR. Find out how to determine which card has the best terms.
25. Amateur Asset Allocator: Find out if you are eligible for interest rate reduction and how to contact your bank to ask for a reduction.
26. ASAP Credit Card: With all the different methods of interest rate calculations it is imperative you know what your credit is costing if you don’t pay off the bill each month.
27. UCAN: Read about the impact of the Credit Card Act of 2009.
28. ProQuest : A guide to the economics behind consumer debt.
29. Debt Consolidation Connection: Examine the benefits of consolidating credit card debt.
30. Credit Card Flyers: When and why to pay off high interest debt.
31. Money Rates: Questions to ask before accepting a credit card offer.
32. 100 Best Credit Card Reports: A low interest rate is not enough; this site explores other considerations when signing up for a credit card.
33. Business and Media: Banks may be raising rates due to tough economic times.
34. Consolidated Credit Counseling: It’s important to understand your APR and know how it affects you and how to watch out for pitfalls.
35. Credit Card Chaser: Comparing and finding the best low interest credit cards.
36. Payments News: Banks are still raising rates in spite of a touch economic climate.
37. Buzzle: Advice on how to look out for a teaser rate and determine the long term impact of an APR.
38. What Really Happened : Watch out for this card with an interest rate of 79.9%.
39. Credit Card Debt Negotiation: A guide to determine if credit card debt negotiation is in your best interest. How to do it and what questions to ask before settling your credit card debt.
40. Wise Bread: What to look out for when interest rates rise and how to protect your credit when rates do rise.

If you’re like most folks, you’ve got more debt than you’d like to have, and a lot of it is probably in the form of credit cards. Some of those credit cards might have relatively low interest rates, but some of them might have quite a bit higher interest than the others. This is especially true if you have take out cash advances on those cards, or if you have had several late payments on the card. If you’re smart, you’ll implement a credit card reduction plan.

There are a number of different ways you can reduce your debt. You can go to credit counseling where a third party will negotiate your debt. The problem here is that you’ll likely face some negative impact on your credit report if you do this. Either the credit card company will write off a portion of the debt showing it “settled,” or they will continue to show you as paying late.

The best credit card debt reduction plan, however, doesn’t involve a third party and it doesn’t involve paying late. Instead, it involves some basic steps:

1. Make your credit card payments, every month. This isn’t always as simple as it sounds, but it’s where you have to start. If you don’t make enough money to pay your credit card payments, you need to consider other ways to make money. That might mean a second job, or it might mean cutting back on other expenses.
2. Find a way to pay a little extra. Even if you’re only talking about $20 extra, you need to put some additional funds toward your credit card debt reduction. Here again, cutting expenses or increasing income may be necessary.
3. Put the extra toward your lowest balance credit card bill. Now, here’s where we start to see real progress. Even $20 extra a month will quickly pay off that low balance card.
4. Once one card is paid off, put the money from that payment toward the next highest balance card. Now we’re talking. If the first card had a minimum payment of $15, and the second card has a minimum payment of $15, and you were paying $20 extra per month, now you’re going to be paying a total of $50 per month on that next credit card.
5. Repeat this process until everything but your mortgage is paid off. You’ll be surprised how fast you can get out of your credit card debt, as well as other debt like car loans or student loans.

Shopping is something everyone on the planet does. There is just no way to avoid it as it is an essential part of life. People need things. Therefore, they have to go to the store and shop. Over the years, the way people have shopped has changed. It used to be that when people needed something they went to the general store and bought it. Then more stores popped up, which led to competition and more shopping by consumers. It quickly became understood that people shared information and their personal experiences regarding certain products with each other.

Now, times have changed again and instead of consumers passing on information through the traditional word-of-mouth, they are using the internet and social networking sites to do this. Not only can consumers find great product reviews, but they can also purchase their products online as well. Below are 50 online shopping blogs that will provide internet savvy shoppers with the information they need to find the best products, deals and promotions online.

1. The Bag Snob: A blog created by two women who share a passion for designer bags of all kinds.
2. Outblush: A blog bringing shoppers a wide variety of in-demand products each and every day. This is a great place to find good buys ranging in products from home to fashion.
3. Glam: At Glam, readers will find blogs covering a wide range of shopping interests including: fashion, beauty, home entertainment and more!
4. A Girl Must Shop: This blog is dedicated to providing women who love to shop with the newest shopping trends and best deals.
5. Grechen’s Closet: Grechen’s Closet is an informative shopping blog which features a Designer’s Directory, online coupon codes, personal reviews and many more things every online shopper needs to know!
6. DiscoverSD: This blog is for shoppers in the San Diego area! Here, readers can catch up on the latest shopping trends in San Diego plus a whole lot more!
7. Mighty Goods: This is a one-stop-shop for shoppers looking for a good deal.  A wide selection of consumer products can be found here.
8. Cool Mom Picks: This is a great resource for moms who like to shop. Cool Mom Picks will provide readers with great products found by other moms!
9. College Fashion: This fashion blog is perfect for college girls who love to be in style. College shoppers will love discovering the latest beauty tips, fashion trends and more at College Fashion.
10. Great Green Goods: Shoppers have access to hundreds of products made from recycled materials. Great for the environmentally conscious shopper.
11. Holycool.net: Review blog providing shoppers with really cool and unique products they likely would not be aware of otherwise.
12. Babygadget: A shopping blog providing parents of young children with news about the latest products geared for their kids.
13. Wickedly Chic: Featuring items from smaller, independent retailers to provide shoppers with unique, fashionable items at great values. Readers will also enjoy featured product giveaways, daily ditties and much more!
14. Material Girls: Shoppers looking for home décor will enjoy this interior design blog. Readers can find trendy tips, great deals and more here.
15. Suzy Q Homemaker: A shopping blog created by a stay-at-home-mom who likes to provide her readers, and fellow shoppers, with the great items she finds online. Occasionally, there are product reviews and giveaways.
16. Champagne Living: A great blog for shoppers who enjoy the finer things in life while saving money. Here shoppers will find tips, discounts, giveaways and more!
17. Lipstick to Crayons: This shopping blog is designed for busy moms who love shopping and finding good deals. Readers are provided with product reviews, freebies, coupohttp://www.247moms.blogspot.com/ns and more!
18. Mom Reviews: A blog providing readers with honest, informative reviews of a wide variety of products. Shoppers will also find great giveaways here!
19. 24/7 Moms: A blog providing mommy-shoppers with great gift giving ideas, coupons and deals.
20. Baby Cheapskate: Parents of babies and toddlers will find out where the latest deals, sales and coupons are for essential baby items and more.
21. Petit Elefant: A place for shoppers to find a little bit of everything, ranging from fashion to travel to home trends.
22. Lollie Shopping: A blog for bargain shoppers who love finding the best sales and online deals in fashion.
23. Someone Spoil Me: A blog dedicated to bringing shoppers the newest and hottest gift ideas!
24. Oh How Lovely Shops: Shopping blog providing pictures and links to cute and unique items found online. Items featured cover a wide variety of items including: fashion, home décor, homemade products and more.
25. Misosouper: This shopping blog features a wide collection of items such as home décor, fashion, gadgets and much more. A great resource for finding a wide range of online deals.
26. Fresh Arrival: A unique shopping blog that features one new online product every day.
27. Blavish: A blog with the sole purpose of bringing readers the top luxuries. Perfect for shoppers who love life’s extravagancies.
28. Elite Choice: Shoppers can come to here to find out about their favorite high-end products and other luxury items from a wide variety of categories.
29. Decor8: An interior-design blog dedicated to bringing the latest home trends to readers. A great resource for those who love shopping for their homes.
30. Green Your Décor: A home décor shopping blog that focuses only on products that are environmentally-friendly.
31. Trend Watch: A blog dedicated to reporting the latest trend-setting products and styles.
32. Once Wed: This wedding blog is dedicated to give shoppers on a budget the resources they need to have the beautiful wedding they’ve always dreamed of.
33. Fine Estate Sales, Antiques and Collectibles: A good resource for shoppers who enjoy antiques and collectibles.
34. From Betsy With Love: Shoppers will find a mixture of items showcased here including vintage fashion, art, interior décor and more.
35. Junior Society: Junior Society is a shopping blog geared towards anything and everything for the shopaholic’s kids! A great resource for parents with little ones.
36. Gizmodo: A shopping and review blog just for those who love all types of gadgets and gizmos. Shoppers will be able to find thousands of technological products here.
37. Zatz Not Funny!: The shopping blog for everything digital. Shoppers will find helpful reviews, special recommendations and promotions here.
38. Heel Candy: Shoe shoppers everywhere will stay up-to-date with the hottest styles for their feet at Heel Candy.
39. Sweet Free Stuff!: Online bargain shoppers will love this site because it is full of free stuff! The blog is updated every day with new free offers.
40. Cool Pet Products: A blog providing pet owners with in-demand products for their pets. Shoppers will be able to find a wide range of products for pets such as fish, dogs, cats and birds.
41. Bargain Hunting Moms: A blog designed to provide frugal-shopping moms with great deals.
42. My Mom Shops: A blog created by a New York City mom to share great products with online-shopping moms.
43. Barking Dog Shoes: A blog concerned with providing online shoppers with shoes that are not only cute, but comfortable as well.
44. EyeStyle Blog: A blog created for shoppers who love any and all kinds of eyewear. Readers will find a wide variety of stylish sunglasses and eyeglasses here.
45. Modern Design Blog: Shoppers looking for modern interior décor, fashion and furniture will find it featured on Modern Design Blog.
46. Mable’s: A shopping blog with the purpose of bring readers a variety of unique products.
47. Makeup Bag: A blog for those shopping for any and all types of beauty products.
48. xSparkage: Shoppers looking for hot deals in beauty will not be disappointed at xSparkage. This blog has product reviews, contests, coupons and much more for readers!
49. The Fashionable Housewife: A blog providing shoppers with a multitude of fashion tips, freebies, coupons and more.
50. Product Girl: A beauty blog designed to provide shoppers with information on the hottest beauty products available!

If you’re a consumer who likes to save everywhere you can, one way to do so is by using a credit card to get cash back on your purchases. The best credit cards for getting cash back will actually make a deposit into your credit card account after making a purchase. Which one of these programs is the right one for you depends a little bit on your personal situation and your spending habits.

There really isn’t one best credit card for getting cash back. Each of the different options is suited toward different consumers. Here are some of the best credit card types for getting cash back that we could find:

1. Navy Federal Credit Union. This card gives you 1% cash back on purchases up to $10,000 in purchases. After that, you’ll earn 1.5% cash back. This card is useful for high-volume credit card users.
2. Blue Cash from American Express. This offering from one of the big three credit card companies gives you a full 5% cash back on certain purchases after the first $6,500 you spend. It also gives 1.25% for other purchases.
3. 1% Cards. There are a number of credit cards from companies like Citibank and Capital One that will give you 1% cash back on purchases. These are good for folks that aren’t as likely to spend as much.
4. Investment cards. There are some cards that will give you a higher amount of cash back – many right around 2% – if you’re willing to have the cash back go into a specific investment or savings account. These can be a great way to save for retirement or for college for a child.

Ultimately, you need to look at your spending habits and decide which is right for you. Be careful, too, because you don’t want to wind up unnecessarily using a credit card when you could otherwise use cash just to get that 1% cash back. If you do, you’ll wind up paying plenty more than that 1% in interest charges.

When you got that first credit card in college, chances are pretty good you used it for just about everything. You bought clothes, you bought books, you bought beer and you bought gas. It seemed like the money would never run out. Of course, it did, and when it did you learned your first lesson about being a responsible credit card owner:

You shouldn’t use your credit card for just anything.

Now that you’re an adult, you can make some better decisions about using your credit cards at the best times. Still, you aren’t always certain when that is.

Fortunately, it’s not that hard to figure out. If you’re thinking about using a credit card for a purchase, there are three basic questions you need to ask yourself.

1. 1. Can I afford this purchase?

The first thing you need to figure out is whether or not you can afford the purchase. As you will well remember from those college days, just because you have available credit on your credit card doesn’t mean you can really afford the purchase. You need to take an honest look at your financial situation and decide whether you can afford the thing you’re going to buy.

This means more than looking at the amount that the purchase will add to your monthly credit card bill. It means deciding whether or not you could pay the item off in a relatively short time. If you don’t, then you’re going to wind up paying ridiculous amounts of money in interest.

1. 2. Do I need this purchase today?

Even if you can afford to buy the thing, you need to decide whether it has to be purchased today. If you can instead save up your money to make the purchase, you’ll be much farther ahead than if you buy it on credit.

1. 3. What will this purchase do to my credit score?

Your credit score is extremely important. It determines what kind of rate you’ll get on your mortgage, how much your monthly car payment will be and even, in some states, how much your insurance premiums will be. Even if you can afford a purchase, you need to be conscious of what it will do to your credit-to-debt ratio, which is an important part of your credit score.

Once you’ve answered all of these questions, only then can you make an informed decision about whether to make a given purchase on your credit card.

Some of the cheapest and best credit card deals are often to be found at your neighborhood bank or credit union. Your bank’s credit cards likely don’t have to compensate for a spendy TV ad campaign and thus don’t need to bilk you on  fees as a result. Credit Union cards can be an even better bet than a standard bank’s card offering as credit unions tend to operate more efficiently with less marketing and bureaucratic operating expenses and thus even lower fees can be charged to you as a result.

But then outside of your burg there are always going to be some crazy new credit card companies or front companies marketing the “best deal” in credit cards on the internet or television ads. There can be some decent deals once in awhile if you are patient, but normally these shay credit card deals are all hype and zero customer satisfaction. There will be sudden surprising unexpected fees out of nowhere and interest rates can fluctuate on a whim. They sometimes even penalize you for paying off your whole balance – crazy, right?
So crawl the web and see what deals you can find – read the fine print on the offers and then see how these fluffers stack up against the credit cards offered by your bank or credit union. Usually you will find that your bank or credit union’s credit card deals are cheaper and better than the other hyped up credit card deals you will come across on the web or TV. But once in awhile there is a crazy deal that is actually good and you need to be able to recognize the difference so that you can take advantage. Southwest Airlines used to offer a free flight if you signed up for their Rapid Rewards Visa or Mastercard credit card. AT&T Universal launched with some amazing low interest rate, credit discounts on balances transferred from other credit cards, rewards and more. So keep your eyes and ears open but your money in the bank. Cheap is only cheap if you manage your spending, your credit and your savings intelligently.