Susan Lou
I am Susan Lou, and my designation at Credit-land.com is that of a senior editor. After my Bachelor degree from the University of Pennsylvania, (which is where I got my first credit card). I have worked at many financial companies listed at Wall Street, trying to take in every bit of information about the world of money, specifically the credit card. Today, I pen articles on credit cards to share my knowledge on overcoming credit card debit.
My passion is to keep an eye out for various real time financial stories that revolve around credit cards and loans. As an editor at Credit-land.com, I am responsible for coming up with interesting stories that people can relate to. The real life experiences I have come across, coupled with my knowledge of the industry is surely helping me make a difference in my current role.
I have a special passion to write about credit cards, and educate people on the pros and cons about plastic money. I have received a lot of advice from my mom over responsible use of credit, and I have always tried to share it with those who are unaware of the dangers lurking in the credit card industry.
Latest Susan Lou's Posts
Top Credit Card Mistakes to Avoid
A credit card is a horrible thing to waste. Sadly, people do it everyday by misusing their credit cards. Misusing your credit card can have a negative affect on your credit card score and can affect your ability to get low-interest credit cards in addition to low interest mortgages and auto loans. Your credit card doesn`t come with a manual, so there are some things that you should be thinking about when making purchases with your credit card, so you don`t hurt your credit score. Here are some credit card mistakes to avoid:
Credit Card Nightmares
Halloween just past, but it doesn`t have to be a scary time for a finances. Right now, your credit card is probably the scariest weapon that you wield in your wallet, with all those scary penalty rates, ghostly APR percentages, and howling minimum balances, one must tread lightly when using their credit card around the holidays and other times of the year. Here are some nightmares to avoid:
Fruitful information about balance transfers
Definition and types of balance transfer accounts
How to Manage Finances As a Married Couple
After you have made the big decision to get married, there are tons of other big decisions you need to make: Where will you live? When do you want to start a family? Should you combine your finances?
Shopping for Holidays... Minus the Heartache
Halloween just past, but it doesn`t have to be a scary time for a finances. Right now, your credit card is probably the scariest weapon that you wield in your wallet, with all those scary penalty rates, ghostly APR percentages, and howling minimum balances, one must tread lightly when using their credit card around the holidays and other times of the year. Here are some nightmares to avoid:
Raise Your FICO Score
Your FICO score is pretty important. Here are some tips to raise it.
Tell Me More About Shared Accounts
If you have a spouse or significant other in your life, then you probably have thought about getting a joint account together. But if you`ve landed on this page, you`re not sure what it means to share an account, and what responsibilities and what consequences are in order when you two share a credit card account.
Should You Apply For A Business Credit Card Account?
Business-branded credit cards can provide many benefits to you as a small business owner if used prudently and managed carefully. Here are some advantages:
3 Retail Perks Your Credit Card Can Get You
Sure you take your credit card with you everywhere you go, but do you really know that piece of plastic? Unless you spend your nights reading through the fine print on your credit card contract, you may not be too familiar with all the benefits your credit card can offer you. Luckily, you don`t have to flip through tons of pages to find out all the good things that your credit card can do for you. When it comes down to it, your credit card can save you more money that you ever thought possible.
Guard Your Credit
When we want our money to grow, we invest. When we want to take risks, we buy stocks. But when it comes to credit card security, it may not be so clear which way to go. In order for our money to flourish, it`s important to keep our funds safe. But keeping it safe from online scammers and identity thieves may be hard to do.
Know thy Credit Rules
Think before you charge it, as there are financial repercussions for every mistake you make with your credit card. Here are some things that you just shouldn`t do when it you sign up for a new card.
Do You Use Your Credit Card Secretly?
A new survey by MoneySupermarket.com revealed that 10% of consumers keep their credit card a secret from their partner or significant other. Another 11% reported that they didn`t keep the credit card a secret, but said that they kept their credit card statements intentionally away from their significant other.
Don`t Be Scared to Use Credit Wisely
Credit Cards have a very bad reputation in this day and age. This year has been tumultuous for credit card issuers and credit card lenders as many of them reported high default rates. Also, the average credit card APR sky rocketed to a record high of 14.96 percent this year.
Credit Card Security, Making Sure You`re Protected
We all know by now that our credit card information isn`t the safest online. Some of us may jump through hoops to protect our credit card information. Because unauthorized charges and stolen identities are not something to fool around with. But did you know that some of the things you could be doing to protect your credit card information might end up working against you, rather than for you.
Can I get Cash Back With a Prepaid Card?
We hear a lot about credit cards and debit cards, but never too much about prepaid cards. Prepaid cards are the most misunderstood card in the plastic family. It used to be that prepaid cards charged high fees to access money that you went out and worked for. But now days, it seems that things have changed slightly. Now, if you know how to use your card, you could end up using it for free. If you know where to look, you can even find some prepaid credit and debit cards that offer cash back rewards like traditional credit cards.
