Joshua Heckathorn

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Joshua Heckathorn

Joshua Heckathorn shares his unique insights about credit cards, credit scores, and all aspects of personal finance on Creditnet's blog, Credit¢ents. Joshua received a Bachelor of Science in Management (Finance) from Brigham Young University's Marriott School of Business and earned his MBA from Seattle University.  He is a credit expert and has been featured on CNNMoney, FOX Business, Yahoo Finance, The Street, and many other national publications during the past ten years.

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Recent Blogs

Upromise by Sallie Mae World MasterCard Review

When Sallie Mae was first established in 1973 as the Student Loan Marketing Association, it was a government-sponsored enterprise that serviced federal student loans. However, during Bill Clinton’s administration back in 1994, it was determined that Sallie Mae should be restructured into a private company.

Ask Creditnet: Should I Ever Use a Credit Card Cash Advance?

Dear Creditnet: I've been tempted to use the cash advance option on my credit card more than once, but have always found the necessary cash to scrape by when it came down to it.

Can you explain how cash advances work, and should I ever apply for one if my cash situation gets especially tight? Thanks in advance. - Chris from Austin, TX

Why Pay Taxes with a Credit Card?

Do you have a friend who always brags about how big he expects his tax refund to be and what he plans to spend it on? I do.

Every year I bite my tongue as I listen to him go on and on about the huge check he’ll be getting from Uncle Sam and how he’s already spent the money on a new toy of some sort. I just have to nod my head and say, “Great man, great. I’m really happy for you.”

Infographic: How to Make a 0% Interest Credit Card Balance Transfer

Credit card debt that just keeps on growing is often a product of the high interest consumers are stuck paying on existing balances. Wouldn't it be great if you could just rid yourself of the additional 10, 20 or 25% in interest and start paying down your debt directly?

(The answer is: 'Obviously')

Barclaycard Arrival MasterCard Review: To Pay - Or Not To Pay - The Annual Fee

The myth regarding annual fees attached to credit cards is that they're ALL BAD. This is simply that - a myth - and frankly some annual fees are easily wiped out by the cash back and rewards benefits afforded by a particular card. 

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