Should You Buy a House Now or Is It a Good Time to Refinance?
Recent surges in interest rates have left homebuyers and homeowners wondering what to do. This guide will help you pick the best choice.
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interest rates
Understanding the Rate Hike Impact on Your Debt and Savings
The Federal Reserve just raised interest rates again this year. We explain the rate hike impact on loans, credit cards, and saving products.
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What Happens When the Fed Lowers Interest Rates?
When the Fed lower interest rates, it affects your ability to save and pay off debt. Learn what to do following the latest Federal Reserve announcement.
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5 Good Reasons to Call Your Credit Card Company
A credit card company wants your business, so they’re usually willing to give you certain money-saving perks for sticking with them. Learn how you can turn customer loyalty into more credit card rewards, cut annual fees and lower interest rates.
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Reducing the High Cost of Credit Card Debt
Consumers pay over $100 billion every year on credit card interest charges and fees. We explain how to minimize the high cost of credit card debt.
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Do You Know Your Annual Interest Rates?
Half of credit card users that carry at least one credit card balance don’t know their annual interest rates, which means they’re probably overpaying.
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Are Gas Cards Still a Good Value in 2018?
As gas prices increase and interest rates on gas cards rise, is it still wise to use a co-branded gas credit card to fill up? Some experts say no.
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Are Store Credit Cards Bad?
A new trend in increased credit card delinquencies on store credit cards reveals two good reasons why you might want to think twice before opening a in-store credit card. Consolidated Credit explains how to decide if store credit cards are a bad idea for your finances.
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Student Loan Interest Rates Set to Rise Again for 2018-2019
Federal student loan interest rates are set to increase for the second year in a row on July 1 of this year. Learn what parents and grads can do to keep education borrowing costs low to avoid problems down the road with student loan debt.
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Can You Afford the Cost of Debt?
Another interest rate hike by the Federal Reserve means that the cost of debt for consumers just got higher again. WalletHub has revised their map of cities with the most and least sustainable credit card balances. Can you still afford to pay off your debt in a cost-effective way or do you need debt relief?
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How to Use Cash Back Credit Cards
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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What is Unpaid Credit Card Debt Costing You?
Nearly half of Americans carry unpaid credit card balances for more than two years. We calculate the cost of credit card interest charges over two years.
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The Dubious Return of Direct Deposit Advance
Direct deposit advance could make a comeback, but with interest rates up to 300%, this “solution” could be just as bad for your finances as payday loans.
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Credit Card Interest Rates are the Reason
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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Don’t be Fooled by Deferred Interest!
Deferred interest promotions offer great advantages when you buy, but people often get blindsided by higher costs once the promotion period ends.
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Student Loan Interest Rates Increase for 2017
For the first time since 2014, student loan interest rates will increase for the 2017-2018 academic year. How will the rate hike affect student loan debt?
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Revolver vs. Transactor: What Kind of Credit User are You?
We compare the credit habits of revolver vs transactor cardholders so you can see the difference and choose the right credit management strategy for you.
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Is Your Credit Card APR up to Par?
Today’s rates are at record highs on new credit cards, but if you haven’t checked your credit card APR lately, your personal rates may be even higher.
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Military Families Transition after Deployment
As large scale deployments come to an end, it’s essential that military families have plans in place to transition after deployment to achieve stability.
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Credit Card APR at 5-Year High
The average credit card interest rate is now at 15.22%. What does that mean for your ability to manage credit card debt effectively within your budget?
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HELOC Domino Effect
A study finds missed payments on a Home Equity Line of Credit (HELOC) often lead to other delinquencies with primary mortgages and credit card debt.
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Can You Read a Credit Card Agreement?
A new study finds most customers can’t understand credit card agreements. We explain what you’re missing and how to get up to speed with your agreement.
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Achieving the American Dream
With the help of Consolidated Credit, Maria Altamirano was able to eliminate her high interest credit card debt to become a first time homebuyer.
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