As you can imagine, we’ve seen a number of tweets about New Year’s Resolutions.

Our suggestion?

Get a credit report.

Even if you can’t change your spending habits, you can change how you observe them. A credit report is the first step.

Michaelceci provides a cautionary tale:

I just watched someone split a $600 dollar purchase across 4 different credit cards. Cut them up now.

Should you split charges across cards? And if not, then why?

Obviously, there are a few cases where you may want or need to split charges across different credit cards. If you are making an exceptionally large purchase, you may not have high enough a credit limit to pay for it with just one card. In addition, if you believe you will be declined for using just one …

missfree is excited about a recent announcement ending overlimit fees on some credit cards:

AMex and Discover Cards to end Credit card Over Limit Fees !!http://tinyurl.com/lrlr6n

What are overlimit fees? Why are they being eliminate? And what does it mean for you?

Overlimit fees are fees charged when you exceed your credit limit with a purchase. For example, if you have a $500 credit limit and make $515 in purchases, you’ll be charged an overlimit fee. American Express charged a $35 fee when this occurred. Overlimit fees …

Authorized Users And Credit Cards

Consumers have a number of options when it comes to personalizing the use of their credit. One of their most notable powers is the right to create authorized users on their account.

What Is An Authorized User?

An authorized user is anyone who uses your credit card with your permission. When you put their name on your account, they are able to make purchases using your account. They are not legally responsible for the debt on the card.

Who Should Be An Authorized User?

You should only list a trusted …

Addressing Marriage And Credit

Marriage introduces a host of financial issues, not only from a legal perspective, but from a lifestyle perspective as well.

Addressing the financial issues involved in marriage are complex. This article introduces the basic changes to your credit rating, credit score, and credit cards that will happen when you get married.

What Happens To Your Credit Rating When You Get Married?

It’s a common belief that marriage will change your credit rating. That is not true. When you get married, your credit rating, credit score, and credit reports are …