Do you need a credit card?

With credit card use plunging, do you even need a credit card anymore?

What is a credit card surcharge?

Credit card surcharges are one of those things in life that seem to be a cost for the sake of a cost, up there with ticket handling and ATM withdrawal fees.

How to pay off credit card debt quickly

Here at, we’re often banging on about budgeting. By now, you probably know the basics: spend less than you earn, track your spending, and lock your savings away into an untouchable high interest savings account.