Credit cards are part of our daily life. Most Americans have at least one, and we use them almost every day for purchases large and small, for everything from travel to exotic lands to daily purchases of groceries and gas. Cards protect us from the security risks inherent in carrying large amounts of cash and often save us the time and cost of constantly rushing to a bank or an ATM to get cash. There's also a downside, of course: credit card debt carries high interest rates, some cards may have fees, and if you're not very careful with your cards it's easy to get into serious debt trouble.
We believe that every American should have access to credit and that everyone with access to credit has the responsibility to use credit responsibly. The first step toward the responsible use of credit is knowledge. You can't use credit wisely if you don't understand what it is, how it works, and the individual features of various credit options.
My Credit Card Helper is devoted to encouraging the responsible use of credit by providing clear, easy-to-understand guides to credit card selection and use, and on how to manage credit and debt. We want to help consumers choose the right cards for their lifestyles and spending habits, to understand how those cards work and how to use them to maximize gain and minimize risk. We also want to help the many Americans who have already gotten themselves into credit trouble by providing useful guides to debt management and recovery.
My Credit Card Helper is not affiliated with any government agency or other official organization. We can only provide information: we can't help you get a card or negotiate a settlement! We try to give you useful, practical, well-researched articles that will make it easier to get the right card and use it well. If there's anything you'd like to see that's not here, let us know!
A Message From The Team At My Credit Card Helper
We work hard to ensure that the information we provide is accurate, thoroughly researched and is supportive of your present and future goals. Though all ads featured on our site are designed to suit your needs, we encourage all our members to carefully consider the potential impacts on your personal circumstances before purchasing any products or services.