Erica Sandberg

If you worry about having bad credit, you’re not alone. I have counseled many... read more »

Chances are that, like me, you have an unsecured credit card or two in your wallet... read more »

Want to borrow money for purchases and then revolve balances without any finance... read more »

When businesses or lenders consider a debt uncollectible, usually due to missed or... read more »

A statement credit is money applied to your credit card account that can lower your... read more »

If you’re like most people, life is busy with everything from work to family to... read more »

Payment options for consumer goods and services abound. Credit cards are most... read more »

When you use your credit card to pay for purchases online or in a store, or to... read more »

Rolex watches, diamonds, precious art? In aggregate, such items are not nearly as... read more »

On your way to college and haven’t opened a credit card yet? This is the perfect... read more »

So you want to get the most out of your credit card? Great! You can do several... read more »

It seems like everyone is talking about artificial intelligence (AI) and how this... read more »

Carrying over credit card debt from one month to the next is a common practice... read more »

You opened a credit card so you could use it, not for it to gather dust. You can... read more »

Carrying over credit card obligations from one month to the next can be an... read more »

If you have significant student loan debt, you’re in good company. According to... read more »

Using a credit card advantageously is within everybody’s capability. You just need... read more »

There are many myths surrounding credit card debt, and a fair number concern what... read more »

There is nothing quite like being forgiven. Maybe you hurt a friend, and they told... read more »

The most basic function of a credit card is that it allows you to purchase things... read more »