Not every merchant goes by the mantra, "The customer is always right." Therefore, even if you've received a fraudulent charge or want to return a piece of merchandise, they may not let you -- and you may not get your money back. Fortunately, credit ...
Continue reading How to Use Credit Card Chargebacks to Get Refunds from Stubborn Vendors
What Is a Balance Transfer Credit Card?
Balance transfer cards are specifically targeted for those who are looking to consolidate debts spread across multiple credit cards by transferring them to a single credit card account. Best of all, you can transfer balances from gas, store and other ...
Continue reading What Is a Balance Transfer Credit Card?
How Do I Choose the Best Balance Transfer Credit Card?
A balance transfer credit card is a great way to consolidate debts spread across multiple credit cards by transferring them to a single credit card account. The most important consideration in choosing the best one for you depends on how you plan to ...
Continue reading How Do I Choose the Best Balance Transfer Credit Card?
Millennials Aren’t Using Credit Cards, But Experts Think They Should
Seven in ten Americans have at least a single credit card in their name. Often times they have more, but most have at least one.
However, this doesn't apply to all generations equally, and once again millennials are the exception to the rule. ...
Continue reading Millennials Aren’t Using Credit Cards, But Experts Think They Should
What is a Rewards Credit Card?
A rewards credit card is specifically targeted at people who want a bonus in exchange for using the card; so the more you purchase, the more rewards you earn. Common rewards include:
Cash dividends. With these cards, for every dollar you spend, ...
Continue reading What is a Rewards Credit Card?
What Is a Student Credit Card?
Student credit cards are specifically targeted at younger people who want to build their credit. These cards usually have higher interest rates than other cards because the people who use them have a limited credit history. Even so, by law, all ...
Continue reading What Is a Student Credit Card?
How Do I Choose the Best Rewards Credit Card?
A rewards credit card is specifically targeted at people who want a bonus in exchange for using the card; so the more you purchase, the more rewards you earn!
There is no magic to selecting the right reward cards. In fact, it basically comes down ...
Continue reading How Do I Choose the Best Rewards Credit Card?
How Do I Choose the Best Secured Credit Card?
Not all secured credit cards are created equal. So how can you determine which one is best for you? Here are the most important considerations:
Credit reporting. Since the biggest reason for getting a secured credit card is to establish or rebuild ...
Continue reading How Do I Choose the Best Secured Credit Card?
How Do I Choose the Best Cash-Back Credit Card?
A cash-back rewards card pays you money for every purchase you make so you'll want to make sure you maximize your dividends by using the following strategies:
Compare interest rates and annual fees. Rewards cards typically have higher APRs than ...
Continue reading How Do I Choose the Best Cash-Back Credit Card?
How Do I Choose the Best Prepaid Credit Card?
Not all prepaid cards are created equal. So how can you determine which card is the best one for you? Here are the most important considerations:
Usage. The first order of business is to identify exactly how you intend to use the card. For ...
Continue reading How Do I Choose the Best Prepaid Credit Card?
What Is a Prepaid Credit Card?
A prepaid card offers an easy way for people who want to buy things using plastic -- but without the need for a bank account or credit card. In fact, they're used exactly like a normal credit card, but they rely on funds that are preloaded by you, ...
Continue reading What Is a Prepaid Credit Card?
Prepaid vs. Secured Credit Cards: What’s the Difference?
On the surface, prepaid and secured cards look a lot alike, but there are two key differences that you need to be aware of:
Credit reporting. Unlike prepaid cards, secured credit cards are primarily used to help people build credit. That's because ...
Continue reading Prepaid vs. Secured Credit Cards: What’s the Difference?
What Can I Do to Improve a Low Credit Score?
A low credit score can affect your life in more ways than you might think -- which is why it's important to maintain the highest score possible.
If your credit score is less than optimal, here are the most effective ways to help you increase that ...
Continue reading What Can I Do to Improve a Low Credit Score?
How Does a Secured Credit Card Work?
Secured credit cards are primarily used to help people build credit. Like any other regular credit card, a secured credit card comes with a credit line; as such, any payment activity is reported to the major credit bureaus. However, unlike a typical ...
Continue reading How Does a Secured Credit Card Work?
What Should I Do if My Credit Card Application Is Rejected?
Nobody wants to have a credit card application rejected, but it happens. If your application was denied, the good news is there are steps you can take that may still put plastic in your wallet.
Rule out simple application errors. You rejection ...
Continue reading What Should I Do if My Credit Card Application Is Rejected?
How Can I Find My Credit Score for Free?
Your credit score is a financial report card that tells lenders how risky it is to do business with you. The higher your score, the more likely you are to pay back a loan -- and that means that lenders will be more willing to offer you bigger loans ...
Continue reading How Can I Find My Credit Score for Free?
Good to Know: The 5 Criteria That Determine Your Credit Score
Your credit score is a financial report card that tells lenders how risky it is to do business with you. Scores range from 300 to 850.The higher your score, the more likely you are to pay back a loan -- and that means that lenders will be more ...
Continue reading Good to Know: The 5 Criteria That Determine Your Credit Score
How Do I Choose the Best 0% Purchase Credit Card?
A 0% purchase credit card offers zero interest on purchases for an introductory time period. After this period expires, any outstanding balances are charged a standard interest rate.
Here are some important points to consider when finding the best ...
Continue reading How Do I Choose the Best 0% Purchase Credit Card?
What Is a 0% Purchase Credit Card?
As the name implies, a 0% credit card offers 0% interest on purchases for an introductory time period -- typically from 6 to 12 months. After the intro period expires, any outstanding balances are charged a standard interest rate.
Avoid getting a ...
Continue reading What Is a 0% Purchase Credit Card?
How Do I Choose the Best Rewards Points Credit Card?
There is no magic to selecting the right reward points card. In fact, it basically comes down to just a few basic steps:
Identify your most important perk. For example, if you're not interested in traveling, then consider a cash dividends or ...
Continue reading How Do I Choose the Best Rewards Points Credit Card?