At the end of 2008, I opted out of a rate hike on my Citibank Mastercard. Now, I'm reconsidering having done so. I've had this card now for 18 years - all my other cards I opened u …

I have about 20 negative marks on my credit report. Some are 30, 60, 90, 180 day late indicators, some are charged off accounts, some are sent to collections etc. Lexington Law se …

I realized that I've been sloppy in my posts by using "credit card companies" (like Visa and Mastercard) and the banks that issue credit cards (i.e. Chase) interchangeably. What s …