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Credit Card Basics: How and When to Use Them

The specter of insurmountable credit card debt keeps many people from using credit. While it is good to be aware of the dangers of misusing credit cards, one should remember that with proper forethought credit cards can greatly improve one’s resource pool. Here are a few tips on using credit cards to maximum advantage.


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Credit Bureau

In the U.S., there are three national credit bureaus. Equifax is the oldest, Experian is the youngest, and TransUnion is the smallest. These three credit bureaus do almost exactly the same thing, in exactly the same way. They compete to capture, update, and store credit histories on most U.S. consumers. All the information collected is...
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