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Should You Go into Credit Card Debt for Travel?

Published May 21, 2026

Using a credit card to pay for travel makes sense if you have the money saved and can pay off the balance when the bill arrives. If you're planning to pay it off over time, it's worth understanding what that actually costs before you book.

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Topics: Credit Card Debt

How Do Debt Collectors Make Money?

Published May 6, 2026

Debt collectors typically make money by recovering payments on overdue accounts. Some work on behalf of the original creditor and earn a fee for collecting the debt. Others purchase delinquent accounts for less than the full balance and then try to collect more than they paid.

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Topics: Credit Card Debt

Should You Pay Off Debt or Invest First?

Published April 2, 2026

If you have extra money each month, you may be wondering whether to put that money toward debt or investing. Both options can improve your financial future, but the better choice depends on the type of debt you have, how expensive it is, and what your overall financial situation looks like.

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Topics: Credit Card Debt

How Much of Your Credit Cards Should You Use?

Published March 26, 2026

If you have a credit card, you may be wondering how much of the limit you should actually use. The short answer is this: using too much of your available credit can hurt your score, even if you are making payments on time.

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Topics: Credit Card Debt

Which Bills Should I Pay Off First?

Published March 23, 2026

If you’re juggling multiple debts, you may be asking yourself, “Which bills should I pay off first?” The short answer is this: cover essential living expenses first, then prioritize high-interest debt to reduce how much you pay in interest over time.

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Topics: Credit Card Debt

Debt Validation Letter vs. Debt Verification Letter

Published March 20, 2026

A debt validation letter and a debt verification letter are not the same thing. A debt validation letter is sent by a debt collector as a legal requirement. A debt verification letter is typically sent by a consumer to request proof that a debt is valid.

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Topics: Credit Card Debt

What is Credit Card Churning?

Published March 2, 2026

For some, earning rewards through churning is an attractive option. For others, frequent credit applications may mean lower credit scores and credit card debt. In many cases, though, the need for constant credit card payoff can lead to financial strain. 

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Topics: Credit Card Debt

5 Ways Debt Affects Your Life

Published February 26, 2026

If your credit card balances have been harder to keep up with lately, you may notice that the impact goes beyond your monthly payments. Debt can influence your stress levels, your relationships, and your long-term plans. Understanding these effects is the first step toward deciding whether debt relief might be right for you.

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Topics: Credit Card Debt

What a 10% Credit Card Interest Rate Cap Means for Debtors

Published February 12, 2026

There is growing discussion in national media and in Congress about proposing a 10 percent cap on credit card interest rates to ease the burden of high-cost borrowing. Headlines highlight potential savings for consumers, but often leave out important details about how a cap would actually work and who would benefit most.

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Topics: Credit Card Debt

How to Find All Your Debts and Check Collections Fast

Published January 15, 2026

If you receive a notice about a past-due account or a possible collections debt, it’s smart to verify it before you pay anything. Creditors and collection agencies sometimes make mistakes, accounts get mislabeled, and identity theft can also result in debts being incorrectly linked to your name.

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Topics: Credit Card Debt