Credit Card Guide
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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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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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What do potential landlords look for in your credit report?

You don't have to have a stellar credit history to rent, but the better it is, the easier it will be for you to land a place ...

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A pet's medical costs shouldn't have to hurt your credit

When a pet's medical costs encroach on your budget, there are ways to get him treatment without harming your credit ...

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Spouse overspending on cards? Here's what to do

Don't know what to do about your spouse's spending sprees? Here are some solutions ...

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What to do when you have no job and student loans

When your finances are crashing down around you, what should be your first step?

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Should you use your emergency fund?

You've saved all that money in your emergency fund, and now a surprise bill is in front of you. What should you do?

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Can you negotiate a hotel's hold on your card?

When a hotel puts a hold on your card, it can limit your ability to make other purchases ...

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What does a maxed-out card do to your credit score?

One reader wonders whether maxing and paying off his card each month hurts his credit score ...

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Should some people be banned from credit cards?

One reader wonders if his sister is one of those people who just shouldn't be allowed to have a credit card ...

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