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Credit Karma’s CEO, Ken Lin, loves credit card data even more than the data monkeys we pay to analyze that data*. He loves data so much, that he decided we should share what we know about credit cards with all of our members. And so, in September of 2011, we launched our Credit Card Statistics feature, a free tool that gives you key information by analyzing more than 5 million credit card accounts.

When you’re shopping for a new home, Zillow helps you by giving you data and statistics about different home listings. Whe

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When people apply for and receive a credit card, mortgage or new car loan, they dont do it with the belief that they might find themselves financially strapped a year or two later, but it happens. It happens to those considered most prepared to responsibly repay their debts and it happens to those whose credit histories are stellar. The point is we simply dont know what the future holds. Its the unpredictability of life that gets us every time.

If youve found yourself in a world of financial trouble, there are options and its important to remember youre not alone.

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With Black Friday just five days away, I’d like to take this opportunity to remind you to steer clear of retail store credit cards.

Of course, more than a few of the stores you visit on Friday will try to lure you in with big promises …

“You’ll save 10 percent on today’s purchase by applying for a retail store credit card,” they will tell you.

Just about every major clothing and electronics store has promotion aimed at getting people to sign up for a store-specific credit card.

But retail store credit cards will hurt your wallet and your credit score. Avoid them

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Compare student credit card offers to find one to provide you with flexible spending and a way to build your credit score. Designed for college students, these cards offer a range of features.

Credit card offers change regularly. Be sure to research every offer to ensure you understand the terms and conditions associated with the card, keeping in mind that these terms can change frequently.

Discover

The Open Road Card for Students offered by Discover is a cash back offer that also provides an introductory offer of zero percent APR for nine months.

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American Express just launched a new cash back credit card, coined the “Blue Cash Everyday℠ Card.”

The credit card comes with no annual fee and no spend minimum, meaning you start earning cash back at the full percentages right off the back.

What you get in the way of cash back with the Blue Cash Everyday Card:

Rewards dollars can be redeemed once your balance is $25, and can be used for cash, gift cards, statement balances, or other merchandise, such as electronics, clothing, and more.

0% APR for up to 12 Months

The Blue Cash Everyday Card also comes with 0% APR for up to 12 months on purchases, meaning you won’t have to pay any credit card finance charges for the first year.

After that, the variable APR ranges from 17.24% to 21.24%, depending on things like credit score and other borrower attributes.

The card also affords you discounts at places like 1-800-FLOWERS.COM®, Fleming’s® Prime Steakhouse & Wine Bar, Hertz®, and other merchants.

You can see a complete list of partners and offers here.

You can also receive a $25 referral bonus for each friend or family member who is approved for the Blue Cash Everyday Card.

Final Word

If you use your credit card at supermarkets, gas stations, and department stores often, this could be the card for you.

The categories are fixed, so you won’t have to worry about them rotating in and out, like the rewards programs offered by other card issuers.

And with no annual fee, it’s a great choice for those who want the benefits of American Express without the cost.

Disclaimer: This content is not provided or commissioned by American Express. Opinions express

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Credit cards can be a great asset as they allow you to have access to a line of credit that you may not have otherwise if it were not for the credit card. Used right they can really aid your cash flow each month. On the other hand, if you have already accessed this line of credit and find yourself now in the position of having to pay this debt back and want to do if fast, then there are some things you can do speed up the paying-back process (which will also save you lots of money on interest payments!).

1. Create a Household Budget

Before you can start reducing your debt you need to figure out why you are going into debt and find ways to change your spending habits.

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