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	<title>Credit Card Guidance</title>
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	<link>http://www.creditcard-guidance.com</link>
	<description>Get Your Credit Card Program Today, Federal Offers Great Rates</description>
	<lastBuildDate>Mon, 30 Jan 2012 08:42:07 +0000</lastBuildDate>
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		<item>
		<title>Saving money in the New Year</title>
		<link>http://www.creditcard-guidance.com/credit-card-articles/saving-money-in-the-new-year</link>
		<comments>http://www.creditcard-guidance.com/credit-card-articles/saving-money-in-the-new-year#comments</comments>
		<pubDate>Mon, 30 Jan 2012 08:41:56 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Credit Card Articles]]></category>
		<category><![CDATA[0% interest free credit card]]></category>

		<guid isPermaLink="false">http://www.creditcard-guidance.com/?p=610</guid>
		<description><![CDATA[The start of a New Year often means New Year’s Resolutions. We always start with the best of intentions but all too often, our new commitments don’t actually last very long at all. However, when we’re talking about things such as saving money, success really matters. From choosing the right 0% interest free credit card [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Car Financing 101</title>
		<link>http://www.creditcard-guidance.com/credit-card-best/car-financing-101</link>
		<comments>http://www.creditcard-guidance.com/credit-card-best/car-financing-101#comments</comments>
		<pubDate>Fri, 27 Jan 2012 19:01:21 +0000</pubDate>
		<dc:creator>Sharon Janssen</dc:creator>
				<category><![CDATA[Credit Card Best]]></category>

		<guid isPermaLink="false">http://www.creditcard-guidance.com/credit-card-best/car-financing-101</guid>
		<description><![CDATA[You may well be looking to purchase a new vehicle that is a new or additional vehicle for yourself or for family transportation. Perhaps you need the auto to drive yourself to work. Having a reliable car , truck or S.U.V. can solidify your income in place , or even allow you better employment for [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Online Versus Traditional Forms Of Auto Credit</title>
		<link>http://www.creditcard-guidance.com/credit-card-best/online-versus-traditional-forms-of-auto-credit</link>
		<comments>http://www.creditcard-guidance.com/credit-card-best/online-versus-traditional-forms-of-auto-credit#comments</comments>
		<pubDate>Sat, 21 Jan 2012 15:05:36 +0000</pubDate>
		<dc:creator>Sharon Janssen</dc:creator>
				<category><![CDATA[Credit Card Best]]></category>
		<category><![CDATA[Online]]></category>
		<category><![CDATA[Online Traditional]]></category>

		<guid isPermaLink="false">http://www.creditcard-guidance.com/credit-card-best/online-versus-traditional-forms-of-auto-credit</guid>
		<description><![CDATA[Millions of consumers worldwide are moving into the cyber space era, where millions of transactions between a seller and a buyer are conducted online without the either of the parties ever meeting. The internet has made it possible for buyers and sellers in different parts of the world to carry out business as though it [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Tax avoidance is rent seeking, not productive activity</title>
		<link>http://www.creditcard-guidance.com/credit-card-reviews/tax-avoidance-is-rent-seeking-not-productive-activity</link>
		<comments>http://www.creditcard-guidance.com/credit-card-reviews/tax-avoidance-is-rent-seeking-not-productive-activity#comments</comments>
		<pubDate>Wed, 18 Jan 2012 10:43:29 +0000</pubDate>
		<dc:creator>Tracy Bowker</dc:creator>
				<category><![CDATA[Credit Card Reviews]]></category>
		<category><![CDATA[Rent Seeking]]></category>
		<category><![CDATA[Seeking]]></category>

		<guid isPermaLink="false">http://www.creditcard-guidance.com/credit-card-reviews/tax-avoidance-is-rent-seeking-not-productive-activity</guid>
		<description><![CDATA[From the Treasure Islands blog: It&#8217;s a point I&#8217;ve made repeatedly, in Treasure Islands and elsewhere. But I just looked up &#8216;rent seeking&#8217; and this is Wikipedia&#8217;s contribution: In economics, rent-seeking is an attempt to obtain economic rent by manipulating the social or political environment in which economic activities occur, rather than by creating new [...]]]></description>
		<wfw:commentRss>http://www.creditcard-guidance.com/credit-card-reviews/tax-avoidance-is-rent-seeking-not-productive-activity/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Loan Sharks – who and what are they?</title>
		<link>http://www.creditcard-guidance.com/credit-card-articles/loan-sharks-%e2%80%93-who-and-what-are-they</link>
		<comments>http://www.creditcard-guidance.com/credit-card-articles/loan-sharks-%e2%80%93-who-and-what-are-they#comments</comments>
		<pubDate>Wed, 18 Jan 2012 01:54:54 +0000</pubDate>
		<dc:creator>Keith Marcello</dc:creator>
				<category><![CDATA[Credit Card Articles]]></category>
		<category><![CDATA[Loan]]></category>
		<category><![CDATA[Loan Sharks]]></category>

		<guid isPermaLink="false">http://www.creditcard-guidance.com/credit-card-articles/loan-sharks-%e2%80%93-who-and-what-are-they</guid>
		<description><![CDATA[Over recent years, borrowing from traditional lenders, banks and credit card companies, has been harder and hard to do. As a result we have seen a rise in the number of people turning to payday loans and illegal loan sharks. A loan shark is someone who will give a person a loan, charging them a [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Dude, Why’d My Score Drop?</title>
		<link>http://www.creditcard-guidance.com/credit-card-best/dude-why%e2%80%99d-my-score-drop</link>
		<comments>http://www.creditcard-guidance.com/credit-card-best/dude-why%e2%80%99d-my-score-drop#comments</comments>
		<pubDate>Fri, 13 Jan 2012 07:07:17 +0000</pubDate>
		<dc:creator>Sharon Janssen</dc:creator>
				<category><![CDATA[Credit Card Best]]></category>
		<category><![CDATA[Score]]></category>
		<category><![CDATA[Score Drop]]></category>

		<guid isPermaLink="false">http://www.creditcard-guidance.com/credit-card-best/dude-why%e2%80%99d-my-score-drop</guid>
		<description><![CDATA[If youve checked your credit score lately and found it to be lower, there is probably an explanation. Even if you havent checked it, youre better off knowing about the things that can lower your score. At the top of the list is paying bills late, keeping high debt levels, owning too many credit cards [...]]]></description>
		<wfw:commentRss>http://www.creditcard-guidance.com/credit-card-best/dude-why%e2%80%99d-my-score-drop/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Passing an American Express Financial Review</title>
		<link>http://www.creditcard-guidance.com/credit-card-reviews/passing-an-american-express-financial-review</link>
		<comments>http://www.creditcard-guidance.com/credit-card-reviews/passing-an-american-express-financial-review#comments</comments>
		<pubDate>Wed, 11 Jan 2012 11:43:45 +0000</pubDate>
		<dc:creator>Tracy Bowker</dc:creator>
				<category><![CDATA[Credit Card Reviews]]></category>
		<category><![CDATA[American Express]]></category>
		<category><![CDATA[Express]]></category>

		<guid isPermaLink="false">http://www.creditcard-guidance.com/credit-card-reviews/passing-an-american-express-financial-review</guid>
		<description><![CDATA[Loyal customers of American Express have, on occasion, found that their accounts in good standing have suddenly been suspended. Only later have they learned that they are the subject of American Express’s financial review process. In order to have their accounts reinstated and to receive any pending rewards, it is imperative that cardholders succeed in [...]]]></description>
		<wfw:commentRss>http://www.creditcard-guidance.com/credit-card-reviews/passing-an-american-express-financial-review/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Mortgage Types In Canada To Choose From</title>
		<link>http://www.creditcard-guidance.com/credit-card-best/mortgage-types-in-canada-to-choose-from</link>
		<comments>http://www.creditcard-guidance.com/credit-card-best/mortgage-types-in-canada-to-choose-from#comments</comments>
		<pubDate>Wed, 11 Jan 2012 02:02:57 +0000</pubDate>
		<dc:creator>Sharon Janssen</dc:creator>
				<category><![CDATA[Credit Card Best]]></category>
		<category><![CDATA[Mortgage Types]]></category>
		<category><![CDATA[Types]]></category>

		<guid isPermaLink="false">http://www.creditcard-guidance.com/credit-card-best/mortgage-types-in-canada-to-choose-from</guid>
		<description><![CDATA[Nowadays, you can select from various mortgage types that are available in the market. A loan that is given to anyone who desire to either purchase or even build a house or a commercial property is known as a mortgage. Some individuals may not have the liquid cash to purchase such properties. You could get [...]]]></description>
		<wfw:commentRss>http://www.creditcard-guidance.com/credit-card-best/mortgage-types-in-canada-to-choose-from/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Bankruptcy and real estate taxes: Counties are desperate</title>
		<link>http://www.creditcard-guidance.com/credit-card-articles/bankruptcy-and-real-estate-taxes-counties-are-desperate</link>
		<comments>http://www.creditcard-guidance.com/credit-card-articles/bankruptcy-and-real-estate-taxes-counties-are-desperate#comments</comments>
		<pubDate>Tue, 10 Jan 2012 21:39:28 +0000</pubDate>
		<dc:creator>Keith Marcello</dc:creator>
				<category><![CDATA[Credit Card Articles]]></category>
		<category><![CDATA[Estate]]></category>
		<category><![CDATA[Real Estate]]></category>

		<guid isPermaLink="false">http://www.creditcard-guidance.com/credit-card-articles/bankruptcy-and-real-estate-taxes-counties-are-desperate</guid>
		<description><![CDATA[Filing bankruptcy gets rid of most of your debts; but it does not necessarily get rid of most of your problems. For some people, real estate that they already moved out of is a problem.  Filing bankruptcy does not mean the bankruptcy court takes over your house.   Unless the bankruptcy trustee thinks they can sell it and make some money [...]]]></description>
		<wfw:commentRss>http://www.creditcard-guidance.com/credit-card-articles/bankruptcy-and-real-estate-taxes-counties-are-desperate/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Sands Tourism Sent Me Two Scratch Off Tickets and Say I’m a Winner. Is This a Scam? – Luena</title>
		<link>http://www.creditcard-guidance.com/credit-card-best/sands-tourism-sent-me-two-scratch-off-tickets-and-say-i%e2%80%99m-a-winner-is-this-a-scam-%e2%80%93-luena</link>
		<comments>http://www.creditcard-guidance.com/credit-card-best/sands-tourism-sent-me-two-scratch-off-tickets-and-say-i%e2%80%99m-a-winner-is-this-a-scam-%e2%80%93-luena#comments</comments>
		<pubDate>Mon, 02 Jan 2012 05:42:57 +0000</pubDate>
		<dc:creator>Sharon Janssen</dc:creator>
				<category><![CDATA[Credit Card Best]]></category>
		<category><![CDATA[Sands]]></category>
		<category><![CDATA[Sands Tourism]]></category>

		<guid isPermaLink="false">http://www.creditcard-guidance.com/credit-card-best/sands-tourism-sent-me-two-scratch-off-tickets-and-say-i%e2%80%99m-a-winner-is-this-a-scam-%e2%80%93-luena</guid>
		<description><![CDATA[Dear Steve, I received an envelope thru my post office box, front of the envelope no name only our mailing address which is PO. Box etc as I open this envelope it was promotional brochure from sandstourism on their 9th anniversary and there is a 2 scratch and win promo ticket which I scratch the [...]]]></description>
		<wfw:commentRss>http://www.creditcard-guidance.com/credit-card-best/sands-tourism-sent-me-two-scratch-off-tickets-and-say-i%e2%80%99m-a-winner-is-this-a-scam-%e2%80%93-luena/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Is Refinancing Your Home With Equity Smart</title>
		<link>http://www.creditcard-guidance.com/credit-card-articles/is-refinancing-your-home-with-equity-smart</link>
		<comments>http://www.creditcard-guidance.com/credit-card-articles/is-refinancing-your-home-with-equity-smart#comments</comments>
		<pubDate>Sun, 01 Jan 2012 20:13:53 +0000</pubDate>
		<dc:creator>Keith Marcello</dc:creator>
				<category><![CDATA[Credit Card Articles]]></category>
		<category><![CDATA[Equity]]></category>
		<category><![CDATA[Home Equity]]></category>

		<guid isPermaLink="false">http://www.creditcard-guidance.com/credit-card-articles/is-refinancing-your-home-with-equity-smart</guid>
		<description><![CDATA[Should You Refinance with Home Equity Many Americans who accumulated unmanageably large debts during the economic downturn are now considering using the equity they have built up in their homes to reduce their debt burden. A home is your most expensive asset and using it to take a refinance loan can give you access to [...]]]></description>
		<wfw:commentRss>http://www.creditcard-guidance.com/credit-card-articles/is-refinancing-your-home-with-equity-smart/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
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		<title>Personal finance editor Amanda Morrall with a Christmas message on giving and five ways to do it without breaking the bank</title>
		<link>http://www.creditcard-guidance.com/credit-card-reviews/personal-finance-editor-amanda-morrall-with-a-christmas-message-on-giving-and-five-ways-to-do-it-without-breaking-the-bank</link>
		<comments>http://www.creditcard-guidance.com/credit-card-reviews/personal-finance-editor-amanda-morrall-with-a-christmas-message-on-giving-and-five-ways-to-do-it-without-breaking-the-bank#comments</comments>
		<pubDate>Thu, 29 Dec 2011 15:48:12 +0000</pubDate>
		<dc:creator>Tracy Bowker</dc:creator>
				<category><![CDATA[Credit Card Reviews]]></category>
		<category><![CDATA[Amanda Morrall]]></category>
		<category><![CDATA[Five]]></category>

		<guid isPermaLink="false">http://www.creditcard-guidance.com/credit-card-reviews/personal-finance-editor-amanda-morrall-with-a-christmas-message-on-giving-and-five-ways-to-do-it-without-breaking-the-bank</guid>
		<description><![CDATA[By Amanda Morrall (email) or on Twitter @amandamorrall As it is Christmas, I thought it was fitting to write on the subject of giving. I had initially wanted to write about five worthy charities but there are simply too many good causes out there to narrow the pool down to five. Instead, I thought Id [...]]]></description>
		<wfw:commentRss>http://www.creditcard-guidance.com/credit-card-reviews/personal-finance-editor-amanda-morrall-with-a-christmas-message-on-giving-and-five-ways-to-do-it-without-breaking-the-bank/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Handling Auto Financing When You Have Bad Credit</title>
		<link>http://www.creditcard-guidance.com/credit-card-best/handling-auto-financing-when-you-have-bad-credit</link>
		<comments>http://www.creditcard-guidance.com/credit-card-best/handling-auto-financing-when-you-have-bad-credit#comments</comments>
		<pubDate>Sat, 17 Dec 2011 16:18:39 +0000</pubDate>
		<dc:creator>Sharon Janssen</dc:creator>
				<category><![CDATA[Credit Card Best]]></category>
		<category><![CDATA[Auto Financing]]></category>
		<category><![CDATA[Bad Credit]]></category>
		<category><![CDATA[Credit]]></category>

		<guid isPermaLink="false">http://www.creditcard-guidance.com/credit-card-best/handling-auto-financing-when-you-have-bad-credit</guid>
		<description><![CDATA[If you have bad credit and you require auto financing, you will need to handle the process properly. This is because you will encounter a lot of risks even though the opportunities are high. To ensure that you get all the things that are required to have a new car you need to look at [...]]]></description>
		<wfw:commentRss>http://www.creditcard-guidance.com/credit-card-best/handling-auto-financing-when-you-have-bad-credit/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>A Great Way to Save on Weddings that You&#8217;re Bound to Hate</title>
		<link>http://www.creditcard-guidance.com/credit-card-reviews/a-great-way-to-save-on-weddings-that-youre-bound-to-hate</link>
		<comments>http://www.creditcard-guidance.com/credit-card-reviews/a-great-way-to-save-on-weddings-that-youre-bound-to-hate#comments</comments>
		<pubDate>Fri, 16 Dec 2011 18:18:21 +0000</pubDate>
		<dc:creator>Tracy Bowker</dc:creator>
				<category><![CDATA[Credit Card Reviews]]></category>
		<category><![CDATA[Hate]]></category>

		<guid isPermaLink="false">http://www.creditcard-guidance.com/credit-card-reviews/a-great-way-to-save-on-weddings-that-youre-bound-to-hate</guid>
		<description><![CDATA[Heres a piece from US News that gives five ways to be a bridesmaid without going broke. The first one is an idea that I LOVE but that most people (especially women) will hate. It is: Just say no. It may sound harsh, but sometimes its the best solution. Ask yourself if youll still be [...]]]></description>
		<wfw:commentRss>http://www.creditcard-guidance.com/credit-card-reviews/a-great-way-to-save-on-weddings-that-youre-bound-to-hate/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Karl’s story</title>
		<link>http://www.creditcard-guidance.com/credit-card-articles/karl%e2%80%99s-story</link>
		<comments>http://www.creditcard-guidance.com/credit-card-articles/karl%e2%80%99s-story#comments</comments>
		<pubDate>Sun, 11 Dec 2011 06:15:54 +0000</pubDate>
		<dc:creator>Keith Marcello</dc:creator>
				<category><![CDATA[Credit Card Articles]]></category>
		<category><![CDATA[Story]]></category>

		<guid isPermaLink="false">http://www.creditcard-guidance.com/credit-card-articles/karl%e2%80%99s-story</guid>
		<description><![CDATA[Payplan client Karl knows only too well how being in debt often leads to severe depression. Here he shares his story in the hope that it will help other people: I have never been good with money. I have always bought what I want and had expensive tastes. Over the last couple of years the [...]]]></description>
		<wfw:commentRss>http://www.creditcard-guidance.com/credit-card-articles/karl%e2%80%99s-story/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
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