So you have some extra money in your pocket and you’ve decided to pay off one of your credit card collections early. You know that credit scores are extremely important so your goal is to pay off the collection that will yield the most credit score improvement — the “FICO ROI” (return on investment).

Target Black Friday 2014 deals have been announcement, which featured the standard discounts on toys, movies and electronics, also contained a bit of a surprise — Target is running a gift card promotion on Black Friday 2014.

There’s no need to waste your time — and some short-term damage to your credit score — by applying for a credit card offer that’s out of your league. This first step is crucial because the information in your credit reports — and the scores that are calculated as a result — will be critical in determining which cards you get and how much you pay for them.

Your FICO Score is a very important indicator of how well you’re doing credit wise. FICO Scores can be retrieved at a small cost but there are some ways to obtain your credit report and sometimes your score for free.

Prepaid MasterCard is the easiest way to pay — just load one with funds and use it for all the things you use cash for such as shopping, bill payments, or everyday purchases. You can use MasterCard Prepaid cards wherever Debit MasterCard is accepted and get the added convenience that cash doesn’t offer.