Blog Archives

Lower Your Credit Card Interest Rate

Are you struggling to make credit card payments? If you have a history of on-time payments you may be able to negotiate a better rate. Here’s how. Gather your current bill and call customer service. Be prepared to wait. Speak to a real person. If they don’t have the authority to make changes to adjust […]

Missing Credit Card Payments

Ever missed a credit card payment?  WalletHub reports that average household credit card balances top $8,000. Many can’t keep up with their payments. In 2020 we saw a big credit-card payoff primarily due to stimulus checks. However, in 2021, debt rose along with missed payments. A WalletHub survey revealed that 16% of respondents expect to […]

Dangers of Debit Cards

Do you carry a debit card? I have a debit card, but I rarely use it. I certainly don’t use it to buy anything. A debit card doesn’t offer legal protection should your card or account number fall into the hands of a criminal. Now if you’re trying to avoid using a credit card, then […]

Have You Lost Everything?

Do you think you’ve lost everything? Financial loss can cause terrible emotional pain. The struggle can lead you to believe that you’ve lost everything, but that’s a lie. The enemy wants to rob you of all hope and joy. He wants to knock you off – one less ambassador for Christ. When one of my […]

Should Teens Have a Credit Card?

Is your teen ready for a credit card? There are a number of things you want to teach your children before they  leave home. Today, our founder, the late Larry Burkett, shares the story of a man who learned the hard way that neglecting one of those lessons can have serious consequences.   If you’ve […]

Savings Day – Balance Transfer Card

Are you carrying balances on your credit cards? If you’re carrying balances on high-interest cards, a balance transfer credit card could solve some problems. This is a type of debt consolidation that allows you to move unpaid balances from one card to another. The average balance transfer credit card has a 0% APR for 12 […]

Wrong Attitudes

Are you willing to say ‘No’ now in order to gain greater rewards later? In his book, “The Road Less Traveled”, author M. Scott Peck describes delayed gratification as, “…a process of scheduling the pain and pleasure of life in such a way as to enhance the pleasure, …experiencing the pain first and getting it […]

Debt Proof Your Christmas

Do you think buying a bunch of gifts will make your family happier this Christmas? Think again.  Debt is a deceiver that enslaves people during the holidays. It robs joy and deprives borrowers of many opportunities. It sets households back financially, adds unnecessary stress, and causes marriage strife. Sadly, it prevents people from seeing God […]

Unintended Consequences of Borrowing

There’s a question we rarely hear these days when making a purchase: ‘Cash or credit?’ Now, using a credit card can have it’s advantages, but as we’re reminded by Crown’s founder, the late Larry Burkett, it can also have a couple of unintended consequences.   If you’re struggling with credit card debt, I recommend Christian […]

Good Rent History Now Helps Get a Mortgage

Good renters can become homeowners. Fannie Mae launched a system that incorporates rent payments in their mortgage credit evaluation process. This helps those with limited credit history but strong rent payment history. Hugh Frater, the CEO at Fannie Mae, says, “Many renters believe they will never be able to buy their own home because of insufficient […]

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