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Bad Credit and Home Refinance (Pekin Times) - (ARA) - Mortgage rates are at historic lows, and it seems like everyone's jumping on the refinance bandwagon these days. But is it really a good idea for people with bad credit?. Bad Credit Loans (Rebuz) - If you have defaulted on a loan or missed a credit card payment, you could easily be regarded as a bad credit risk by financial companies.. South Africa: Deluge of New Credit Cards Both Good And Bad News (AllAfrica.com) - A SURGE in credit card debt and strong growth in the number of available credit cards on the market could lead to growing bad debts at banks next year and the need to provide debt counselling for over-indebted customers, says the National Credit Regulator.. Credit Repair: Beyond the Fair Credit Reporting Act (Carmi Times) - (ARA) - Bad credit can happen to good people. On a day-to-day basis, you can't control all the factors that influence your credit score. What's more, credit reports often contain errors.. Barclays to write off 1.5bn in credit card debt as bankruptcies hit record level (Times Online) - Barclaycard, Britain's most popular credit card, signalled yesterday that it expected its army of customers to default on an unprecedented £1.5 billion of debt this year .. Singing a Holiday Tune or a Debt Dirge? (The Motley Fool via Yahoo! News) - For many people, the season of giving is also the season of guilt. It's a miserable feeling to be shopping for holiday gifts with a credit card that already has a big balance hanging over your head. It's a helpless feeling of drowning, with the shore nowhere in sight.. Tackle fear of flying: Seasonal travel plans can bring on panic (The Olympian) - For some people, going home for the holidays is about as pleasant as getting January's credit card bill. There's obnoxious relatives, lumpy foldout couches and fanny-expanding fare.. Look Inward, Spenders (The Motley Fool via Yahoo! News) - If you've ever battled the credit card demons and felt like you were on the losing side, you've probably stopped once or twice to wonder about the psychology that drives up your debts and eats at your savings. What's going on in that head of yours, and how do you develop the healthy judgment to spend appropriately?. Singing a Holiday Tune or a Debt Dirge? (Motley Fool via Yahoo! Finance) - Attack your debt if the holidays have you wringing your hands over credit card bills.. Fair Finance takes leaf out of bank book to give credit where it is due (FT.com via Yahoo! News) - A decade ago, Faisel Rahman was camped out in a tree as part of the guerilla campaign to prevent the Newbury bypass being built..