Ask the Experts – Answering All of Your Questions about Credit

Have a question about how credit cards work or the best kind of credit to use? We have the answers you need here!

Credit can be tricky – from confusing credit cards contracts and statements, to just choosing between the different types of credit available in today’s market, it can be tough to know exactly what to do so you can be a successful credit user. If you want to get ahead (and stay ahead) financially, then you have to understand credit as much as possible.

With that in mind, we’ve created this Ask the Expert section specifically dedicated to answering questions about credit and credit cards that people have. If you can’t find the information you need in the answers below or you need more details on a specific topic, just ask! Complete the form to the right or call us at to speak directly with a credit counselor.

    • Think before you swipe your credit card

      The rewards and incentives offered by signing up for store credit cards can them look like a really good deal, but you have to be vigilant against high-interest credit card debt problems that often come with in-store credit.

    • Swipe a credit card

      Credit cards can play a role in your life without endangering your financial stability if they’re used correctly. Learn to use credit in a way that supports a health financial outlook without putting you at risk of debt problems.

    • When is the right time to get a new credit card?

      Is there such a thing as a credit card that’s too old or outdated? If you’ve had your credit card accounts for years and you’ve never looked for anything new, you may be missing out. We help you assess if it’s time to apply for new credit.

    • Find the right credit card for your needs

      Credit cards are not one-size-fits-all. If you’re thinking of opening a new credit card account, read this first! We explain the difference between 30-day credit lines like American Express, and open credit lines like Visa and MasterCard.

"We are really proud to recommend Consolidated Credit" Kathleen Cannon, President & CEO of United Way of Broward County. Consolidated Credit Counseling Services, Inc. is pleased to announce our partnership with the United Way as a United Way Chairman’s Circle Organization.

"We are really proud to recommend Consolidated Credit" Kathleen Cannon, President & CEO of United Way of Broward County. Consolidated Credit Counseling Services, Inc. is pleased to announce our partnership with the United Way as a United Way Chairman’s Circle Organization.

All Consolidated Credit counselors are certified personal financial counselors (CFC) We've helped 5 million people get out of debt! Call us today and see what we can do for you.

Consolidated Credit is honored to receive the 2012 Excellence in Financial Literacy Education (EIFLE) Nonprofit Organization of the Year award. The EIFLE awards acknowledge innovation, dedication and the commitment of organizations that support financial literacy education worldwide. See what Consolidated Credit can do for you.

Consolidated Credit is honored to receive the 2012 Excellence in Financial Literacy Education (EIFLE) Nonprofit Organization of the Year award. The EIFLE awards acknowledge innovation, dedication and the commitment of organizations that support financial literacy education worldwide. See what Consolidated Credit can do for you.

The National Industry Standards for Homeownership Education and Counseling are a set of guidelines for quality homeownership and counseling services. Industry professionals who adopt these standards can be trusted to provide consistent, high quality advice.
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Consolidated Credit Consulting Services, Inc. has been verified as the owner or operator of the Web site located at www.consolidatedcredit.org. Official records confirm Consolidated Credit Consulting Services, Inc. as a valid business. Call us today and see what we can do for you.

Consolidated Credit is a Certified ISO 9001 company, as verified through Bureau Veritas Certification.

Time tested and customer trusted. Consolidated Credit Counseling Services has been a BBB Accredited Business since 1998 and has a current A+ rating. Call us today and see what we can do for you.

View the Consolidatedcredit.org review status

Time tested and customer trusted. Consolidated Credit Counseling Services has been a BBB Accredited Business since 1998 and has a current A+ rating. Call us today and see what we can do for you.

View the Consolidatedcredit.org review status

Consolidated Credit is proud to be an ANAB accredited member. Accreditation by a recognized and respected body such as ANAB ensures the impartiality and competence of our company. To see what we can do for you, give us a call.

U.S. Department of Housing and Urban Development - HUD's mission is to create strong, sustainable, inclusive communities and quality affordable homes for all. Consolidated Credit is proud to be a member of HUD and also part of the Hope Now Alliance.

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