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Average Credit Card Debt By City & State

PlasticRewards presents an infographic of the average credit card debt by city and state. See where your city and state rank nationwide.

You’ve packed up the kids, the sunscreen and your best summer romance novel, so what’s left?

How about your finances? If there’s one thing to be prepared for, it’s handling your finances and protecting yourself during your summer travels. Here’s what to do:

• Contact your credit card company, particularly if you are traveling out of the country, and advise them of your travel plans. Many times, credit card companies will put a spending freeze on your credit card if they see unusual activity on the card, so it is best to advise them of your travel plans so you can avoid dealing with a frozen account while away on holiday.
• Take the credit card, leave the cash. Although you will want to have a bit of cash on hand while traveling, in general it is best to charge your expenses on a credit card. A credit card will provide you with a number of protections and, unlike cash, can be easily replaced if lost or stolen.
• Charge your car rental, hotel reservation and airline tickets. Many cred

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  On a recent Sunday, I sat shamefaced over my plate of IHOP crepes while my significant other patiently explained how he manages to stick to his graduate student budget: First, he painstakingly saves every receipt he gets. Then, he adds each one individually to Quicken and broadly re-evaluates his budget whenever he wants to add on bigger expenses (such as renting a car for summer road trips).    I wish I had that kind of discipline. My receipts go to die in the bottom of my purse. Cash disappears as if I never had it and when I want to add a bigger expense to my monthly “budget,” I whip out my credit card and assure myself that next month, I really am going to pay off the damn thing.    So far, the only budgeting method that has worked for me is ex post facto shame. I pay for nearly everything with either my debit card or credit card. Then, when I go online to pay my bills, I force myself to look at every purchase and chastise myself when I’ve accumulated too many (I spent how much on coffee?!) expenses. It may not Read more…

Below you’ll find a handful of the best Citi balance transfer credit cards currently on offer in 2011.

In short, balance transfer credit cards allow you to move a credit card balance from one credit card to another with lower APR, and in most cases, 0% APR, which can save you a lot of money.

So if you’re in the market to transfer a high-APR credit card balance, these Citi balance transfer credit cards could be a good choice.

After all, there’s no reason you should pay costly credit card finance charges if they can be avoided.

Keep in mind that no credit card issuers are offering no fee balance transfers at the moment. A standard 3% balance transfer fee is the norm these days.

Many people aren’t aware of this, but paying your taxes with a credit card can cost you a lot more money. The IRS (International Revenue Service) offers people who owe taxes to pay by credit card, but this option comes with a lot of extra fees.

Usually merchants will have to pay a processing fee for accepting credit cards. The fee will normally be calculated in the prices of services or goods. The IRS however does not need to pay any of these fees. The Taxpayer Relief Act, gives the Treasury authorization to accept payments made with credit cards for federal taxes, however it does not allow the IRS to pay fees to credit card companies for processing transactions.

The IRS-authorized third party company will handle the payments made by credit card. Then they will charge an extra convienience fee which will cover their cost of accepting your credit cards. T

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