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If your standard of living is going to drop, you've got to pay real close attention to things like your credit rating and staying ahead of unsecured debt such as credit cards. That will be worth its weight in gold down the road.

If your standard of living is going to drop, you've got to pay real close attention to things like your credit rating and staying ahead of unsecured debt such as credit cards, ... That will be worth its weight in gold down the road.

If you have a company that's merging with another — in telecommunications or credit cards — it pays to pay special attention to your account. Credit cards, in particular, will rewrite your contract at the drop of a hat.

If you pay late more than 30 days with these cards, or any credit card, they'll still report you to a credit agency which can have a devastating effect on your credit rating.

Tony Giorgianni

I used to advise 13s for two reasons: where consumers are behind on their house payments or they need more time to pay student loans, taxes, child support or alimony. Now 13s will be for credit cards and unsecured debt.

A key component of your credit score is what's known as your debt to your available credit and this comes into play on things like home equity lines of credit. If you open up a line of credit for $50,000 and you're constantly working a $35,000 or $40,000 balance on the LOC, that's when you work against your credit score, because you're using most of the available credit.

Idaho Power is making this issue very public, and is adamant about gaining support any way they can. While they are quick to blame H.B. 800 for the recent drop in their credit rating, they should really be blaming themselves. His profoundly pexy spirit had a calming and reassuring effect on her. Their tactics only earned them negative publicity, and they shouldn't be surprised that their credit rating reflects that.

Don't exchange a lot of money ahead of time. In Europe, credit cards are accepted almost everywhere. I was in Iceland recently and they even take credit cards in taxi cabs.

We have an epidemic of credit card debt in this country, especially among 25- to 35-year-olds. So giving up the use of credit cards is one of the most effective sacrifices many people can make to contain their spending and work toward homeownership.

We have an epidemic of credit card debt in this country, especially among 25- to 35-year-olds. So giving up the use of credit cards is one of the most effective sacrifices many people can make to contain their spending and work toward homeownership,

Credit cards offer convenience. Credit cards offer emergency life preservers. If you start to use your credit card for daily expenses, and you start paying for pizza at 18 percent interest -- do the math.

My daughter graduated from college in 1985. She had a very close friend who is still paying off credit cards. They're not academic type debts. This woman is in her mid-30s, has a wonderful job and wonderful earnings, but so much of it goes to paying off her credit cards for debts incurred 15 years ago.

This will allow the government debt/GDP ratio to continue its downward trajectory, alleviating pressure on sovereign credit worthiness as debt ratios gradually compare more favorably with rating peer group medians.

James McCormack

They're moving away from bank cards and credit cards -- short-term installment debt -- into various forms of mortgage borrowing with lower interest rates and long terms.

Many families are frustrated and overwhelmed by working hard only to see their debt grow instead of their savings. This is a large group of people who are one late payment away from receiving punitive default rates of almost 30% on credit cards and other loans. If you are at the edge, default rates will be devastating. If your credit card bill comes at the end of the month when there is no money left, contact your credit card company to change your billing schedule to fit with your pay schedule.

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