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	<title>The Truth About Credit Cards.com &#187; Credit Help and Tips</title>
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	<description>.: Credit Card Help :: Credit Card Reviews :: Credit Scores :.</description>
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		<title>Maintaining a Credit Card Balance Doesn’t Help Your Credit Score</title>
		<link>http://www.thetruthaboutcreditcards.com/maintaining-a-credit-card-balance-doesnt-help-your-credit-score/</link>
		<comments>http://www.thetruthaboutcreditcards.com/maintaining-a-credit-card-balance-doesnt-help-your-credit-score/#comments</comments>
		<pubDate>Tue, 08 May 2012 21:02:06 +0000</pubDate>
		<dc:creator>Colin Robertson</dc:creator>
				<category><![CDATA[Credit Help and Tips]]></category>

		<guid isPermaLink="false">http://www.thetruthaboutcreditcards.com/?p=3675</guid>
		<description><![CDATA[File this one under deadly credit scoring myths. For some reason, probably due to the clandestine nature of Fico’s credit scoring algorithm, many consumers believe carrying a balance on a credit card will benefit their credit score somehow. This can’t be further from the truth, and in reality, can be quite detrimental to one’s finances. ]]></description>
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		<title>Do You Need a Credit Card to Build Credit History?</title>
		<link>http://www.thetruthaboutcreditcards.com/do-you-need-a-credit-card-to-build-credit-history/</link>
		<comments>http://www.thetruthaboutcreditcards.com/do-you-need-a-credit-card-to-build-credit-history/#comments</comments>
		<pubDate>Tue, 24 Apr 2012 22:32:57 +0000</pubDate>
		<dc:creator>Colin Robertson</dc:creator>
				<category><![CDATA[Credit Help and Tips]]></category>

		<guid isPermaLink="false">http://www.thetruthaboutcreditcards.com/?p=3657</guid>
		<description><![CDATA[Credit Q&#38;A: “Do you need a credit card to build credit?” Being credit score conscious seems to be all the rage these days, along with being green and reducing your carbon footprint. It seems everyone is now obsessed with their credit score, which isn’t necessarily a bad thing. The only downside is the misinformation that ]]></description>
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		<title>What is the Best Credit Card for Balance Transfers?</title>
		<link>http://www.thetruthaboutcreditcards.com/what-is-the-best-credit-card-for-balance-transfers/</link>
		<comments>http://www.thetruthaboutcreditcards.com/what-is-the-best-credit-card-for-balance-transfers/#comments</comments>
		<pubDate>Mon, 02 Apr 2012 21:20:21 +0000</pubDate>
		<dc:creator>Colin Robertson</dc:creator>
				<category><![CDATA[Credit Help and Tips]]></category>

		<guid isPermaLink="false">http://www.thetruthaboutcreditcards.com/?p=3600</guid>
		<description><![CDATA[Credit card Q&#38;A: “What is the best credit card for balance transfers?” These days, credit card balance transfers are all the rage. Even if you don’t know what they are, you’ve likely heard of them. Heck, if you receive e-mail or snail mail from your existing credit card issuers, they’ve probably solicited you about a ]]></description>
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		<title>What Credit Card Approves Everyone?</title>
		<link>http://www.thetruthaboutcreditcards.com/what-credit-card-approves-everyone/</link>
		<comments>http://www.thetruthaboutcreditcards.com/what-credit-card-approves-everyone/#comments</comments>
		<pubDate>Mon, 27 Feb 2012 21:11:25 +0000</pubDate>
		<dc:creator>Colin Robertson</dc:creator>
				<category><![CDATA[Credit Help and Tips]]></category>

		<guid isPermaLink="false">http://www.thetruthaboutcreditcards.com/?p=3535</guid>
		<description><![CDATA[Credit card Q&#38;A: “What credit card approves everyone?” Ah yes, the age-old question, typically asked by someone with a less than perfect credit score. Well, without further ado, prepaid credit cards do not require approval. That’s right. 100% approval folks! But that’s not necessarily a good thing, or anything special. Why do you think financial ]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Debit Card vs. Credit Card</title>
		<link>http://www.thetruthaboutcreditcards.com/debit-card-vs-credit-card/</link>
		<comments>http://www.thetruthaboutcreditcards.com/debit-card-vs-credit-card/#comments</comments>
		<pubDate>Tue, 21 Feb 2012 19:33:57 +0000</pubDate>
		<dc:creator>Colin Robertson</dc:creator>
				<category><![CDATA[Credit Help and Tips]]></category>

		<guid isPermaLink="false">http://www.thetruthaboutcreditcards.com/?p=3528</guid>
		<description><![CDATA[Credit cards aren’t for everyone. Some people simply aren’t responsible enough to carry credit cards. And others may not have the credit history necessary to obtain one. Of course, banks know this, which is one of the major reasons why they offer debit cards. If you have a checking/savings account, you will be provided with ]]></description>
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		<title>How Do You Get a Credit Card?</title>
		<link>http://www.thetruthaboutcreditcards.com/how-do-you-get-a-credit-card/</link>
		<comments>http://www.thetruthaboutcreditcards.com/how-do-you-get-a-credit-card/#comments</comments>
		<pubDate>Tue, 24 Jan 2012 01:48:58 +0000</pubDate>
		<dc:creator>Colin Robertson</dc:creator>
				<category><![CDATA[Credit Help and Tips]]></category>

		<guid isPermaLink="false">http://www.thetruthaboutcreditcards.com/?p=3449</guid>
		<description><![CDATA[Sometimes we gloss over the obvious here without addressing the pressing questions. So let’s get back to basics and talk about how one goes about something seemingly as simple as getting a credit card. Keep in mind that this is a bit of a multi-faceted question because it involves both the physical action of “getting ]]></description>
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		<title>What is the Best Credit Card?</title>
		<link>http://www.thetruthaboutcreditcards.com/what-is-the-best-credit-card/</link>
		<comments>http://www.thetruthaboutcreditcards.com/what-is-the-best-credit-card/#comments</comments>
		<pubDate>Wed, 18 Jan 2012 23:09:31 +0000</pubDate>
		<dc:creator>Colin Robertson</dc:creator>
				<category><![CDATA[Credit Help and Tips]]></category>

		<guid isPermaLink="false">http://www.thetruthaboutcreditcards.com/?p=3408</guid>
		<description><![CDATA[The answer to this question is easy. Drum roll please… The best credit card is…the one that provides you with the most benefits. That’s it. We’re done. See you later. You can stop reading this now. Okay, I’m being dramatic, but honestly, there isn’t a “best credit card.” You see, like many other things in ]]></description>
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		<title>Why Credit Karma’s Free Credit Monitoring Misses the Mark</title>
		<link>http://www.thetruthaboutcreditcards.com/why-credit-karmas-free-credit-monitoring-misses-the-mark/</link>
		<comments>http://www.thetruthaboutcreditcards.com/why-credit-karmas-free-credit-monitoring-misses-the-mark/#comments</comments>
		<pubDate>Wed, 11 Jan 2012 21:49:32 +0000</pubDate>
		<dc:creator>Colin Robertson</dc:creator>
				<category><![CDATA[Credit Help and Tips]]></category>

		<guid isPermaLink="false">http://www.thetruthaboutcreditcards.com/?p=3377</guid>
		<description><![CDATA[Last week, Credit Karma announced that it was the first company to offer a “free credit monitoring service.” How it works is relatively simple. Once you enroll at CreditKarma.com, the company monitors your credit report for free on a daily basis. If a “significant change” occurs in your credit file, the action is logged and ]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Check Your Credit Scores Before Applying for a Credit Card</title>
		<link>http://www.thetruthaboutcreditcards.com/check-your-credit-scores-before-applying-for-a-credit-card/</link>
		<comments>http://www.thetruthaboutcreditcards.com/check-your-credit-scores-before-applying-for-a-credit-card/#comments</comments>
		<pubDate>Tue, 01 Nov 2011 20:38:13 +0000</pubDate>
		<dc:creator>Colin Robertson</dc:creator>
				<category><![CDATA[Credit Help and Tips]]></category>

		<guid isPermaLink="false">http://www.thetruthaboutcreditcards.com/?p=2969</guid>
		<description><![CDATA[If you’re currently shopping for a new shiny piece of plastic to use in place of cash, you should know where you stand in the credit score department first. After all, a credit card issuer will pull your credit report and credit score immediately after you submit your application to determine, you guessed it, your ]]></description>
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		<title>Best Credit Cards to Use Abroad</title>
		<link>http://www.thetruthaboutcreditcards.com/best-credit-cards-to-use-abroad/</link>
		<comments>http://www.thetruthaboutcreditcards.com/best-credit-cards-to-use-abroad/#comments</comments>
		<pubDate>Thu, 22 Sep 2011 18:03:12 +0000</pubDate>
		<dc:creator>Colin Robertson</dc:creator>
				<category><![CDATA[Credit Help and Tips]]></category>

		<guid isPermaLink="false">http://www.thetruthaboutcreditcards.com/?p=2897</guid>
		<description><![CDATA[Consumers often inquire about which credit cards are the best to use when traveling oversees, as it can be quite expensive to pull out foreign currency. Additionally, using cash leaves you with little recourse if something goes wrong, especially if you want a refund. Unfortunately, many credit card issuers charge so-called “foreign transaction fees” for ]]></description>
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