The Neiman Marcus Credit Card is offered and administered by Capital One. The store offers upscale jewelry, accessories, apparel, beauty, and exquisite home products to affluent customers and the high-end nature of the chains target market is also reflected in the rewards scheme and bonuses attached to the Neiman Marcus credit card.

The Lane Bryant credit card will allow you to save money and earn rewards at one of America’s top plus-size women’s fashion retailers. They are especially known for their plus-size line of sexy lingerie Cacique which offers lacy bras, panties, and other intimates. Lane Bryant has been in existence for over 100 years, opening its first store in 1901. Though it is not a standard credit card — not being affiliated with Visa or MasterCard, there are still benefits to having a Lane Bryant credit card.

In order to improve your credit score, it’s always the same formula — you need to make on-time payments, reduce debt, increase credit lines and use plenty of diversity in your credit profile. Additionally, it will help significantly to keep old lines of credit open.

If you have debt, chances are you’ll have to deal with a debt collector at some point, at least until you pay off the debt. Even if you’ve hired a debt settlement company to help you negotiate down your debt, debt collectors may still contact you for payment. Here are some tips for dealing with debt collectors, even when they get rude.

When a couple is married, they often hold joint accounts, such as savings, credit cards and mortgages. This links their credit scores together. If you’ve just gone through a divorce, your credit may be in shambles. Sometimes, one partner will run up a huge credit card bill, deplete the equity in the home or otherwise try to wreak havoc with the credit score of the other party. It’s important to address this problem head on.