About Me

After college, I got into my fair share of credit card debt, as most young people do.

It wasn’t as much as perhaps some of my friends, but it was still in the low five-digit range, which had me quietly freaking out to some degree.

I knew the purchases I made had to be paid back eventually, so after burying my head in the sand for a few years (and paying costly finance charges), I took action.

I did all I could to learn more about how credit cards worked, largely because I was never formally educated on the subject. Nobody was.

But it wasn’t long before I was using things like balance transfers to eradicate my debt at no cost to me.

In my opinion, this is one of the major failings of modern education – things like personal finance are only expected to be learned through experience, and ostensibly through missteps.

It’s for this reason that I created this site back in 2006, to educate both young and old about credit cards, credit scores, and all things credit related. Because when it comes down to it, credit can really make or break us financially nowadays.

The powers that be do their best to make it all sound complicated, and come up with plenty of tricks to make consumers pay more for the credit they need and use.

But if you take a moment to educate yourself, you can beat the system, increase your purchasing power, stay debt free, and even earn money and lucrative rewards for making everyday purchases.

So hopefully you’ll learn a thing or two here, and maybe even save a buck.

If you have any questions, concerns, or comments, please feel free to contact me and I’ll get back to you as soon as humanly possible.

So if you’d like to e-mail me, the address is: helpme (@) this domain. Alternatively, just hit me up on Twitter…

Lastly, it should be noted that this site does not provide or sell any credit-related services directly, only informational credit card help and tips, so please do not inquire about any.

Thanks for visiting.

Colin Robertson

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Colin Robertson

Colin created this blog after spending several years in a job that required him to scour credit reports on a daily basis. His goal is to help individuals better understand their credit and get the most out of credit cards.

Latest posts by Colin Robertson (see all)

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