What to Do If You Can’t Pay a Bill

by stevens@ecredable.com on Thursday, April 28, 2016 7:50 PM



It can be stressful to realize you can’t cover all your bills. Regardless of how it happened — unforeseen circumstances like a job loss or emergency, or a mistake like forgetting about a payment — the bills have to be paid. You can’t escape it.

The best thing to do when you find yourself in this troubling situation is to work through things one at a time to find a solution that fits your budget and minimizes any damage to your credit or finances.

Steven Shaw
Bill Pay

5 Credit Cards You Can Get While You’re Still in College

by stevens@ecredable.com on Monday, April 25, 2016 1:20 PM

 Money 101: How to Get Your Credit Ready for College


Credit card use in college can be both risky and full of opportunities. As young adults with limited experience managing their own personal finances, college students risk incurring debt that can take years to pay off, while potentially incurring costly late fees and penalty interest rates if they miss a payment. But credit cards also offer benefits students can’t get with other payment methods, like security and convenience, and provide the opportunity to build a strong credit history that will serve them after graduation when they apply for a car loan or a mortgage.

7 Signs You’re Ready for an Annual Fee Credit Card

by stevens@ecredable.com on Wednesday, April 20, 2016 2:25 AM
debit cards build credit


Some people simply prefer credit cards with no annual fee. Perhaps they don’t feel the additional value they would receive justifies paying an annual fee, or perhaps they just don’t want to pay to use a credit card on principle. Whether you’re one of these people or you’re simply taking an interest in a new kind of credit card, getting a credit card with an annual fee is a big decision.

Here are seven signs that it might be time for you to make the leap.

Beware: April Fools’ Scams Are No Joke

by stevens@ecredable.com on Thursday, March 31, 2016 4:11 PM


Every year, we see the great jokes businesses play on consumers for April Fools’ Day. While some companies make up faux products, like Starbucks did with the Plenta and Micra cups in 2010, some companies go all out on digital pranks.

Wells Fargo’s New Rewards Program: What You Need to Know

by stevens@ecredable.com on Friday, March 25, 2016 2:33 PM

Credit Cards

Wells Fargo’s New Rewards Program: What You Need to Know

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What’s the Difference Between a Charge Card and a Credit Card?

by stevens@ecredable.com on Thursday, March 10, 2016 10:36 AM

What's the Difference Between a Charge Card and a Credit Card?

Have you ever noticed that some cards offered by major banks are not actually credit cards, but are in fact charge cards? These products look just like credit cards, and are in many ways similar, but there some important differences.

Steven Shaw
Credit Card
Charge C
charge card

The Best Investment You Have: Your Credit

by stevens@ecredable.com on Wednesday, March 2, 2016 1:26 PM


When it comes to investments, there is no end to the commentary about the best ways to do it. Often there is substantial risk. But that isn’t always the case. In fact, there’s one portfolio that could be the deciding factor on whether you go on that family vacation, buy a new car or retire early — and it requires no capital at all.