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American economy is based on credit in the form of credit cards, loans and debt management. Learn about credit and credit cards from a credit counselor in this free personal finance video series.
There are 17 videos in this series:
Credit card offers in junk mail clutter up desks and leave financial temptation lurking. Learn how to stop credit card offers from a credit counselor in this free personal finance video.
Credit cards come with many special offers and fine print so compare credit cards carefully. Learn how to compare credit cards from a credit counselor in this free personal finance video.
Choosing a credit card has become simplified with banks issuing cards connected to accounts. Learn how to choose a credit card from a credit counselor in this free personal finance video.
Teenagers are spending money, and how do parents know what credit cards are good for teenage children? Learn good credit cards for teenagers from a credit counselor in this free personal finance video.
Prepaid credit cards allow customization that helps users feel their account is personal. Learn to upload pictures onto prepaid credit cards from a credit counselor in this free personal finance video.
Prepaid credit cards can often be refunded at the bank where they were originally purchased. Learn how to refund prepaid credit cards from a credit counselor in this free personal finance video.
Reselling a prepaid credit card can be as easy as finding a friend with cash matching the card's value. Learn how to resell prepaid credit cards from a credit counselor in this free personal finance video.
Shopping without a credit card is easier now that prepaid cards and debit cards are popular. Learn how to shop without a credit card from a credit counselor in this free personal finance video.
Applying for a credit card can be handled on the internet, at a bank, or sometimes over the phone. Learn how to apply for a credit card from a credit counselor in this free personal finance video.
Improve your credit score by making payments on time and keeping cards at a balance less than half the credit limit. Learn how to improve your credit score from a credit counselor in this free personal finance video.
You can get your credit score once a year from the official site annualcreditreport.com. Learn how to obtain your credit score from a credit counselor in this free personal finance video.
Boost your credit score by diversifying your credit and keeping balances low. Learn how to boost your credit score from a credit counselor in this free personal finance video.
Fixing bad credit takes time, but obtain your credit report first and check for accurate information. Learn how to fix bad credit from a credit counselor in this free personal finance video.
Credit counselors help people manage credit every day. Learn how to become a credit counselor from a credit counselor in this free personal finance video.
Find a credit counselor who is familiar with the financial problems you are experiencing. Learn how to choose a credit counselor from a credit counselor in this free personal finance video.
Credit counselors are not regulated by a government body, but many agencies train and certify financial experts. Learn who regulates credit counselors from a credit counselor in this free personal finance video.
Judgments on your credit report can be challenged on the internet easily. Learn how to remove judgments from your credit report from a credit counselor in this free personal finance video.
The invention of "credit" as we know it was a milestone in the journey toward re-establishing an aristocracy in the United States. Historically, credit is as old as the idea of a promise and as common as opening a tab at the local bar, but the economic system built on credit currently in place uses a more restricted meaning. An economy based on credit leaves only the lenders free and literally “scores” individuals based on their ability to stay in debt and continually make money for lenders. Many Americans believe a good credit score means simply that a person is responsible and timely in paying off the loans he or she was required to take to function in society. That is only half of it. A person with a high credit score is someone who stays in just the right amount of debt to be a good investment for financial institutions, someone who earns a paycheck that ends up in the pockets of the lending organizations. The economic system of the United States, founded at the birth of the Federal Reserve, borrows money from international banking groups and itself lives on credit. Isn’t it strange that the American market requires one to have “good” credit, i.e. owe money to someone, before this person can borrow more money? In this free personal finance video series, certified credit counselor Maria Enomoto teaches about the credit system in the American market. Enomoto talks about what credit cards are, how to stop getting credit card offers, what credit cards are good for teenagers, and how to choose a credit card. She also covers credit problems as well, including how to see your credit report, how to boost your credit score, dealing with bad credit, and others.
Maria Enomoto Maria Enomoto works as a credit counselor for Consumer Credit Counseling services in San Jose, California.dkdk
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