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Medical professionals want to get paid up front for their services, but more and more people can barely afford to pay their regular monthly bills these days. So what’s the solution for health care expenses you can’t afford or overdue medical bills that are about to get sent to collection? Why not handle it the American way? Charge it! Just kidding. While this may be a superb deal for health care providers, it’s generally not the best option for consumers who will end up paying higher interest rates on medical expenses they already can’t afford – and ultimately end up in dire need of debt help.

If you're already a Citi cardholder, you may have heard of a free service Citibank provides called Citi Price Rewind. I'm a bit embarrassed to admit that I've used Citi credit cards for a long time, yet I had never heard of this card benefit until a few months ago when I saw it advertised on Citi's website. If you aren't familiar with the service, here's how it works:

It's not even October yet, but the competition for your holiday credit card spending has already begun. First up—Discover. Effective last Friday, September 14th, Discover More credit cards are now offering 5 percent cash back on up to $1,500 in purchases at department stores and on all online shopping through the end of December. That's up to $75 of cash back in your pocket to help offset the cost of your ever-growing holiday shopping list.

(Note: The Discover More line is no longer available. Check out the Discover it™ Card for an even more rewarding alternative.

Dear Creditnet: I pulled all 3 of my credit reports for the first time in 5 years because I plan to apply for a mortgage within the next few months. On two of my credit reports, I was surprised to find several credit card accounts and an installment loan that are still reporting as open and active. The other credit report shows them as closed. I know for a fact that these accounts are all closed. They have been for years. Could this be hurting my FICO scores in any way? And if so, should I contact the credit bureaus to let them know that these accounts have already been paid off and closed? - Randy D. from CO

This offer is only good for today, Sept. 12th, so make sure you take advantage of it if you've been looking for a new business credit card with a nice sign-up bonus. With this offer you'll get 75,000 bonus points after you spend $10,000 during the first 4 months, which is better than the current public deal which only offers 50,000 points after a $5,000 spend within 3 months.