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We’re the cautious, relatively frugal section of the population.People in their twenties and thirties, however, face a different problem when it comes to debt – the lack of affordable housing.
At least writing a cheque was a slow process, now a transaction can be done online or swiped in a matter of seconds.
But credit card debt can also do damage to your credit score, and maxing out a card — that is, charging up to your credit limit — is particularly harmful.
This is because 30% of your credit score is heavily influenced by your credit utilization ratio.
Today, most companies develop a description of their ideal customers and then tailor unique sales offers to fit those customers’ needs. The right mailing list helps a business reach only those consumers who are likely to be most interested in its products and services.
Target marketing reduces “junk” mail — advertising mail that does not relate to your interests or needs.