Both credit card charge-offs and debt settlement can harm your credit, but one gives you a chance to recover faster.

This post may contain links from our sponsors and affiliates, and Flywheel Publishing may receive compensation for actions taken through them. One of the primary reasons credit cards exist is to ...

Natalie Campisi is a senior journalist who covers personal finance, balancing timely news with in-depth enterprise reporting. Her mission is to make complex financial issues clear and accessible for ...

One of the primary reasons credit cards exist is to facilitate purchases that you don’t want to pay for with cash or a debit card. This can include, but is not limited to, furniture, shopping trips to ...