So tempting 0% financing for a year, no payment for 3 months, $10,000 credit line, and most dangerous, YOU ARE APPROVED!

We have all had a credit card in our possession at one time or another. Whether it is a department store, or gas card, or most dangerous of all MasterCard or Visa! Good at most places in world.

Let’s talk about MC/Visa cards for a moment. These you can use everywhere, even at McDonalds. These cards tempt you with there low rates, big credit lines, and ease of applying for one of these.

Now why do I call credit cards a disease? Well you begin paying for that dinner out on town, next thing you are doing is picking up a few items at your local Wal-Mart or other discount store.

You get bill in mail and you pay it off. Next month you put a little bit more on it, when bill comes you pay it in full. Well this goes on for a few months, and you think, I am in control of this situation.

WRONG! Before you know it you are charging bigger ticket items, then you have that little problem with car, and you use your MC/Visa to pay for it. The month is coming to an end and you are running low on cash.

Well you figure I just need a few groceries, so I will just put them on ole charge card. Well bill for that month arrives and your hair stands up on end because balance is a lot higher than you thought.

What now, I don’t have money to pay it in full, so I will pay half of it. The cycle of spending on credit card goes again for next month. Sure you try to keep it down, but when bill comes again you have sticker shock!

Chances are your bank is a virtual place. Since invention of Internet you can see your balances anywhere, at any time. Most banks think globally and have acted this way by creating secure portals to manage their account holder’s information stored in their databases. This information stored usually shows account balances, previous transactions, current balances, interest paid and electronic scans of their checks. Anywhere you can get to a computer, your bank account is right in your hands, usually in real-time.

Online checking