Credit card debt constitutes all outstanding principal on consumer credit cards. This can include such things as standard revolving credit cards and also department store cards. Credit cards are generally subject to higher interest rates than other lending vehicles, which is why many consumers look into consolidation loans or other faster payoff options. Credit card debt can be important for helping to establish a credit history. It does, however, demand careful management to keep consumers above water in regard to their finances.

Improve Your Credit Score - Free Consultation

Which student charge card should you select?

You should select a student charge card that is specifically designed for an individual in your position. Many banks advertise cards for students, and... »

4 Disadvantages of a Student Charge Card

A student charge card is often necessary to make ongoing purchases while you are in school and not earning an income. For example, many... »

Can you get a store charge card with bad credit?

If you are interested in getting a store charge card, you might be concerned that you will not qualify because of your bad credit... »

What is a store charge card?

A store charge card is a private label charge card issued through a retail outlet. Retail establishments will often offer incentives to entice individuals... »

More Articles in Credit Card Debt


Which student charge card should you select? 4 Disadvantages of a Student Charge Card Can you get a store charge card with bad credit? What is a store charge card? Credit Card Arbitration Explained Legally Eliminating Credit Card Debt Takes Work 3 Reasons to Choose Non-Profit Credit Counseling Services What Happens After a Credit Card Debt Negotiation Settlement? 4 Ways Credit Counseling Can Hurt Borrowers Evaluating the Benefits and Pitfalls of Credit Card Consolidation How Getting a Divorce Affects Your Credit Score How Late Payments Affect Your Credit Score 5 Tips to Limit the Finance Charges You Pay on Credit Card Accounts What is the Credit Card Act of 2009? How Does the Credit Card Act of 2009 Affect Credit Card Contracts? How the Truth in Lending Act Protects Credit Card Users Are there Pre-Payment Penalties for Credit Cards? What is the Effective Annual Rate? What Does Insufficient Credit Rating Mean? The Dangers of Credit Card Promotional Interest Rates What is a Prepaid Travel Card? 4 Ways to Add Funds to Reloadable Prepaid Debit Cards How to Identify Reputable Prepaid Card Services How to Compare Prepaid Credit Cards How Prepaid Credit Cards Can Make International Travel Safer What to Know Before You Buy a Prepaid Credit Card 3 Best Prepaid Debit Card Features You Should Consider Is Getting Prepaid Credit Cards for Teens a Good Idea? Prepaid Virtual Credit Cards Explained Using Prepaid Credit Cards to Teach Kids about Credit Is Using a Prepaid Credit Card for Online Shopping Safe? 5 Types of Fees to Expect with Prepaid Cash Cards What Information is Required in a Prepaid Credit Card Application? 5 Reasons You Should Not Buy a Prepaid Credit Card 4 Reasons a Student Should Get a Prepaid Credit Card Prepaid, Debit or Credt Cards: Which One is Right for You? The isks of Applying for a Prepaid Credit Card Online How Prepaid Business Credit Cards Can Control Employee Expenses 3 Restrictions that Apply to a Prepaid Cash Card Prepaid Credit Card vs Department Store Gift Card Avoid Credit Card Debt - Get a Prepaid Bank Card Instead The Pros and Cons of a Prepaid Gas Card 4 Things to Keep in Mind when You Buy a Prepaid Card 4 Guidelines for Choosing an Online Prepaid Card Company Prepaid Debit Card Limits Explained What Types of Fees Apply to Prepaid Debit Cards? 3 Advantages of Prepaid Credit Cards What to Do if Your Prepaid Card Gets Lost or Stolen Open-System and Closed-System Prepaid Cards Compared What Happens to the Balance when You Close a Prepaid Card Account Using Secured Credit Cards to Repair Your Credit Rating 3 Principles of Paying Credit Card Bills Should You Pay Off Credit Cards with Low Balances or with High Interest Rates? Comparing Revolving and Non-Revolving Credit 9 Warning Signs You Have Too Much Credit Card Debt 5 Reasons a Student Needs a Charge Card Build Credit as a Student: Get a Charge Card 4 Disadvantages of Getting a Retail Store Charge Card 4 Advantages of Getting a Retail Store Charge Card How a Prepaid Charge Card Differs from a Debit Card Prepaid Charge Card Information Comparing an Online Charge Card to a Standard Charge Card What is an Online Charge Card? 3 Pitfalls of Having a Gas Charge Card 4 Benefits of Having a Gas Charge Card 6 Steps to Rebuild Credit with Charge Cards Credit Cards and Charge Cards Compared 5 Steps to Take if Your Credit Card Has Unauthorized Charges What to Do if Your Credit Card Has Fraudulent Charges 5 Proven Tips to Reduce Credit Card Finance Charges Does Having a Corporate Charge Card Affect My Personal Credit Rating? 4 Advantages of a Corporate Charge Card What is the Difference between a Charge Card and a Debit Card? How Many Open Charge Cards should You Have? Charge Cards or Credit Cards: Which are Easier to Get? 5 Must-Have Charge Card Services to Look For 5 Charge Card Services You Can Live without Charge Card versus Credit Card: What Should You Get? 5 Signs a Charge Card Company is Ripping You Off How to Identify Reputable Charge Card Companies Can You Get a Charge Card with Bad Credit? How Long Does it Take to Review a Charge Card Application? What Information is Required in a Charge Card Application? Should You Close Charge Card Accounts with a Zero Balance? What Happens to a Delinquent Charge Card Account? The Risks of a Charge Card The Benefits of a Charge Card What are the Advantages of Business Charge Cards? What are the Pitfalls of Business Charge Cards Business Charge Card Benefits to Consider How to Apply for a Business Charge Card? How Does a Business Charge Card differ from a Personal Charge Card? What Are the Best Charge Cards for Borrowers with No Credit History What Are the Best Charge Cards to Help Rebuild Your Credit? How to Get the Best Charge Card Rates What are the Best Charge Card Features to Look for Bad Credit? How Charge Cards Can Help Rebuild Your Rating Should You Apply for a Charge Card or a Credit Card? How to Apply for a Charge Card What is a Charge Card? Errors on Your Credit Card Application? 5 Reasons a Credit Card Company Can Raise Your APR 3 Items to Avoid Purchasing with a Credit Card What Happens if You Make an Error in Your Credit Card Application How to Get Approved for a Credit Card after Bankruptcy 4 Stipulations to Watch Out for When Applying for a Credit Card How to Use Your Credit Card Balance to Your Advantage What is the Catch for 0 Percent Financing Offers? Develop a Strategy for Reducing Credit Card Debt in 36 Months What is the Statute of Limitations for Credit Card Debt? 4 Disadvantages of a Pre-Paid Credit Card 5 Benefits of a Pre-Paid Credit Card Pre-Paid Credit Cards Explained How to Use a Credit Card to Rebuild Credit 3 Types of Credit Cards to Help Rebuild Your Credit Rating 3 Strategies for Using Credit Cards Wisely 5 Reasons a Credit Card Company will Increase Your Interest Rate How to Use a Secured Credit Card to Fix Damaged Credit Getting Your First Credit Card: 3 Types of Credit Lines to Consider How to Make Credit Card Terms and Benefits Work for You How to Carry a Credit Card Balance and Improve Your Credit Rating Is Using Student Loans to Pay Off Credit Cards a Good Idea? 4 Proven Strategies to Rebuild Your Credit How to Refinance Credit Card Debt without Collateral 3 Solid Reasons to Incur Credit Card Debt 5 Reasons to Avoid Credit Cards How a Department Store Credit Card Can Help You Build Credit How a Gas Card Can Help You Build Credit The Benefits of Transferring Credit Card Balances The Consequences of Defaulting on Credit Card Debt What Happens When You Miss Multiple Credit Card Payments? 4 Disadvantages of a Secured Credit Card 4 Benefits of a Secured Credit Card Requirements to Get a Secured Credit Card How to Refinance Credit Card Debt How a Recession Can Affect Your Credit Application How a Recession Can Affect Credit Card Interest Rates How Long Does it Take to Repair Your Credit? Ways to Improve Your Credit Score Benefits of Credit Counseling What is Credit Counseling? How to Apply for a Loan with No Credit Can Paying Off Personal Loans Help Your Bad Credit? What are Annual Fees? Selecting the Best Revolving Credit Line for You Controlling Your Revolving Credit Lines Buying With Credit vs. Boat Loan: Which is Better Should You Refinance Your Home to Pay Off Credit Card Debt?