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Debt related (important) question: what would you say are the pros and cons of consolidating credit card debt, using a personal loan? On one hand, you might pay a much lower interest rate! Which is good. On the other hand, you can't stop using your credit cards, so you risk getting into an...

I personally find co-signing for a credit card one of the most risky things someone can do! But many people do it anyway! So, I was wondering, how many of would take such a risk and help someone out? Of course, it's obvious the question refers to helping out someone close to you, and not a...

I have a question about credit cards, in general. How does my credit utilization ratio affect my credit score? For instance, say I max out my credit card, but pay the bills on time. Will this help me out or will it look like I enjoy taking risks a bit too much?