Credit Card Guide
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Ask Erica


Each week, credit expert Erica Sandberg answers questions from readers. Please note that it may not always be possible to answer every question or respond to individual inquiries.

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Is your adult child ready for authorized card user status?

To help build an adult child's credit, try adding him as an authorized user to your credit card, but make sure there are charging rules in place ...

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Clear up debts before moving abroad

If you don't want to face legal action by creditors, don't abandon your debt when you leave the country ...

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What's a potential employer looking for in a credit check?

Don't worry about having a little debt on your credit card. Your potential employer is more interested in whether you are a risk ...

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How long do collections stay on your credit report?

When you pay on an account that has gone into collections, you may have to wait a few months before it's reflected on your credit report ...

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When is the timing right for a new card?

Credit cards are fantastic payment tools when used correctly -- to pay for the things you can afford ...

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Can debt collectors throw you in jail?

Debt collectors can ask for your contact information from your family or friends, but can they threaten jail time?

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Credit cards can be a lifeline, but not all the time

When funds are low, and there's no food in the pantry, is it time to turn to a credit card?

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Steps to protect young adults from identity theft

Young adults should be aware of identity theft issues so they can prevent identity theft from happening ...

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What should you do when a creditor threatens to sue?

Just because creditors threaten to sue, doesn't mean they can. But know the law in your state before proceeding ...

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