Consolidated Credit Finance Articles by April Lewis-Parks

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More Americans are swimming in cash with right size emergency savings

More Americans Right Size Emergency Savings

Posted on March 9, 2018 by | April Lewis-Parks (3-minute read)

Learning how to right size emergency savings is a crucial skill that can help you achieve financial stability and avoid problems with credit card debt. We offer tips to help you ensure you have more savings than debt.

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Which Cities are Home to the Highest Credit Card Debt?

Posted on February 23, 2018 by | April Lewis-Parks (3-minute read)

A study of 25 metropolitan areas in the U.S.Cities shows thoese with the highest credit card debt take longer to pay it off. Is your city on the list?

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Credit cards offering 0 interest on balance transfers could have shorter terms

Big Changes Coming to Credit Cards Offering 0 Interest on Balance Transfers

Posted on February 19, 2018 by | April Lewis-Parks (4-minute read)

As consumer debt levels continue to break records, driven by credit card debt, many households may turn to balance transfer credit cards to consolidate. However, new changes in credit cards offering 0 interest on balance transfers could make this type of consolidation less beneficial.

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Americans are burdened by more consumer credit card debt than ever

What Causes America’s High Credit Card Balances?

Posted on February 16, 2018 by | April Lewis-Parks (3-minute read)

Americans have record high credit card balances that are often caused by covering daily expenses to make ends meet. We look at reasons for debt and offer helpful tips on how to achieve a balanced budget so you can avoid credit card debt.

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Say Goodbye to Credit Card Signature Requirements

Posted on January 29, 2018 by | April Lewis-Parks (3-minute read)

The last major credit issuer just announced they will phase out signature credit card signature requirements on most transactions this year. As EMV chip technology improves, you should see less request for your John Hancock, and hopefully less fraud.

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Consolidated Credit Celebrates 25 Years of Helping People Get Out of Debt

Posted on January 22, 2018 by | April Lewis-Parks (4-minute read)

Consolidated Credit celebrates 25 years of helping credit users who are facing challenges with debt to find the solutions they need to get out of debt fast. Learn about key initiatives in community outreach and financial education that we’ve started.

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Debt levels continue to push past $1 trillion as credit card use continues to stack up

Credit Card Use Continues to Climb

Posted on January 19, 2018 by | April Lewis-Parks (3-minute read)

Consumer credit card use continues to climb, now beating pre-recession levels of spending. Credit card debt increased by 13% in November alone, leading to an all-time high of $1.023 trillion. Here’s what you can do to pay off your debt.

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Balance transfer credit cards allow you to consolidate credit online

How to Use Cash Back Credit Cards

Posted on January 15, 2018 by | April Lewis-Parks (4-minute read)

Experts predict that cash back credit cards may be king in 2018 as more credit card issuers roll out even sweeter reward programs. But if you want to get the most out of cash back incentive programs, you need the right strategy.

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Weighing total costs when financing vehicles using long term auto loans

Revealing the Risk of Long Term Auto Loans

Posted on November 17, 2017 by | April Lewis-Parks (4-minute read)

A new CFPB report reveals the risk of long term auto loans, showing higher rates of default. We explain the debt management challenges these loans present.

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Millennials Fear Debt More Than Dying

Posted on November 10, 2017 by | April Lewis-Parks (3-minute read)

Death, war, drowning due to sea level rise – all those fears are nothing compared credit card debt for Millennials. So why Millennials fear debt so much?

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Multiple entertainment subscription services can drain your budget quickly

Is Your Budget Sapped by Subscription Services?

Posted on November 7, 2017 by | April Lewis-Parks (4-minute read)

A new survey finds one in ten Millennials spend $200 per month on subscription services, draining funds that could be used to achieve key financial goals.

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Problems with student loans weight especially hard on Millennials

Why are Student Loans So Problematic?

Posted on October 20, 2017 by | April Lewis-Parks (4-minute read)

The CFPB’s annual complaint report on student loans finds that most of the problems stem from bad service on the part of federal and private loan servicers.

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First time homebuyers, particularly minorities and new families, can overcome barriers to achieve homeonwership

Ending Confusion to Achieve Homeownership

Posted on October 13, 2017 by | April Lewis-Parks (3-minute read)

Potential homebuyers are confused about the homebuying process and unaware of financial assistance programs that can help them achieve homeownership.

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Is taking your dog to work a top employee perk or just a workplace distraction?

Millennials Want Employee Perks to Go to the Dogs

Posted on September 29, 2017 by | April Lewis-Parks (2-minute read)

A new study finds Millennials want employee perks to go to the dogs… literally. But is having pets at work really a benefit or a total distraction?

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Millennials lack credit knowledge to use credit cards without creating debt problems and credit score issues

Do You Have More Credit Knowledge than These Millennials?

Posted on August 25, 2017 by | April Lewis-Parks (3-minute read)

LendEDU finds that Millennials have some interesting (and wrong) thoughts about how credit scores work. Is this lack of credit knowledge a recipe for debt?

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Total Eclipse of Your Debt

Posted on August 21, 2017 by | April Lewis-Parks (2-minute read)

In celebration of today’s total solar eclipse, Consolidated Credit offers a 4-phase plan for how to achieve a total eclipse of your debt.

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Credit Card Interest Rates are the Reason

Posted on August 14, 2017 by | April Lewis-Parks (3-minute read)

The rate experts at CardRates.com explain how Consolidated Credit’s debt management program offers a proven way to reduce credit card interest rates.

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What’s Your Preferred Payment Method?

Posted on July 21, 2017 by | April Lewis-Parks (4-minute read)

A new study finds cash is still a preferred payment method that most Americans use at least once a week How do you like to pay at checkout: Cash or credit?

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Keep trip costs low to keep your piggy bank cool this summer

The Truth about Your Summer Vacation Trip Cost

Posted on June 30, 2017 by | April Lewis-Parks (3-minute read)

Three out of four Americans take vacations on credit, but high interest debt is not the souvenir you want. Learn the truth about your summer trip cost.

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Seniors hold valuable equity in their hands if they

Older Consumer Complaints Show Mortgages are a Major Issue

Posted on June 23, 2017 by | April Lewis-Parks (4-minute read)

A new CFPB report shows the differences between older consumer complaints and complaints from other age sets of consumers with some interesting results.

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How renters can get ahead of rent price increases

Clearing the Down Payment Hurdle

Posted on May 5, 2017 by | April Lewis-Parks (3-minute read)

Most renters say generating the down payment is their biggest barrier to homeownership. We offer two proven homebuying solutions to make that jump easier.

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Using Credit Cards for Everyday Purchases

Posted on April 21, 2017 by | April Lewis-Parks (3-minute read)

A new poll finds more Americans use credit cards for everyday purchases, even when spending less than $5. Is credit the new debit? Should it be?

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Join the FINRA Military Spouse Fellowship

2 Days Left to Register for the 2017 Military Spouse Fellowship!

Posted on April 20, 2017 by | April Lewis-Parks (3-minute read)

Tomorrow is your last chance to register for the 2017 FINRA Military Spouse Fellowship. Get certified so you can help others and improve your own finances.

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Consolidated Credit Announces Second Winning Money Mantra Video

Posted on March 8, 2017 by | April Lewis-Parks (1-minute read)

Ben Schmidt won the second round of Consolidated Credit’s Money Mantra Video contest with a little help from his money-saving clone. Watch to learn how!

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