Identity theft. Those two words can strike fear in the hearts of card holders everywhere. It seems like you can’t trust anyone these days. Even friends and co-workers can access your information and open a line of credit in your name.

If you’ve ever heard that the average household carries $9,000 of credit card debt and thought that you were ok with your balance, think again. In reality, half of American households have no credit card debt at all and nearly a quarter more have less than $2,200 in credit card debt.

In the old days, reward credit cards were primarily cards that would earn you airline miles. Those cards still exist, and are quite popular, but now you can earn everything from a new iPod to tickets to Disneyland.

Commenting on recent research suggesting that 18,000 people are refused credit daily, a spokesperson for financial advice resource Fool has said that there are limits on the amount that banks can loan in a tightened economic environment.

Discusses the pros and cons of various debt consolidation options.

If you have had to declare bankruptcy for any reason, it is easy to get overwhelmed by the sheer volume of things to consider. But, getting a credit card after bankruptcy is one of the best ways to begin rebuilding your credit score, if you are careful and selective about choosing the right card and provider.

A discussion of what credit inquiries are and how they affect your credit rating.

With the use of credit and debit cards increasing all the time, the issue of card fraud is always an important consideration. Credit card providers and card processors are now focusing their attentions on providing ever more sophisticated security systems to stay one step ahead of the fraudsters, but there will always be an onus on the customer to act in a responsible manner to prevent fraudulent use of their card.

Borrowing such a huge amount of money is an important decision. Make it a good one.

When you originally applied for a credit card you were probably offered a £500 credit limit and over time you find that your credit card provider has increased your credit limit many times.