I get a refund during the grace period on a credit card statement, can I reduce the payment accordingly?


I had a credit card statement of 1000. Within 4 days I get a refund of 200 during the grace period of 15 days. The payment date then follows 11 days later and the credit card company still try to take 1000 – so making my credit card a positive balance – which is not [...]

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How do I know if these credit card companies are reputable?


Within the past couple of months, I’ve been receiving several letters per week from credit card companies enticing me to apply. I have bad credit, got rid of all my credit cards eight years ago, and am still paying off old debt. Could these letters have something to do with the fact I bought a [...]