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. Of course, everybody wants to know how to improve their credit score. If your credit score is less than ...
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Where Can I Find My Free Credit Score?
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 and ...
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Was Your Credit Card Application Rejected? Here’s Your Options
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 ...
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Credit Score Criteria: The 5 Indicators That Determine Your 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 willing ...
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What Is a 0% 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.
The disadvantages ...
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How Do I Choose the Best Rewards Points Credit Card?
There is no magic to selecting the best rewards points credit 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 ...
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How Do I Choose the Best Air Miles Credit Card?
An air miles rewards card are perfect for folks who love to travel and have great credit – so you'll want to make sure you maximize your dividends by using smart strategies. Here's how to choose the best air miles credit card:
Compare interest rates ...
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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 really is no magic to selecting the right reward cards. In fact, it basically comes ...
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How Do I Choose the Best Cash Back Credit Card?
A cash-back rewards card pays you money for every purchase you make. So when looking for the best cash back credit card you'll want to make sure you maximize your dividends by using the following strategies:
Compare interest rates and annual ...
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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, you ...
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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 ...
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How to Choose the Best Balance Transfer 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 ...
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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 ...
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How to Make Travel Cheaper with a Credit Card
Credit cards are a necessity for most travelers. Best of all, having the right card in your wallet can actually save you money. With that in mind, here's how to make travel cheaper with a credit card:
Get an airline card
Many airline cards offer ...
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How to Choose a Student Credit Card
For younger people who are just getting started in life, a student credit card is a terrific way to help establish a positive credit history. The most important consideration in choosing the best one for you depends on how you plan to use it. Here's ...
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How Do Credit Card Charges Work?
A question we often get here is, "How do credit card charges work?" The fact is, credit card companies make money by charging their customers interest on their monthly account balances. They also earn money from fees and other charges. The good news ...
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How Can I Pay Off My Credit Card Debt?
It's no secret that financially-strapped people often wonder: How can I pay off my credit card debt? But do you ever wonder why you should you quickly repair your debt problems? Because credit card interest rates can be as much as 20% or more, it's ...
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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; ...
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How Should I Choose a Credit Card?
It's only natural to wonder: "How should I choose a credit card?" That's because not all credit cards are created equal. In fact, when choosing a card, you'll quickly discover that there are hundreds of options for you to choose from so it makes ...
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What Is a Credit Card?
What is a credit card? They're a tool that allows people to borrow money from their bank or a financial institution for the purchase of consumer goods and services. Because almost all businesses accept credit cards, there is virtually no limit to ...
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