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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

Millennials Aren’t Using Credit Cards, But Experts Think They Should

By Corazon Gritar

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

May 6, 2025

How Should I Choose a Credit Card?

By Len Penzo

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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May 1, 2025

What Is a Credit Card?

By Len Penzo

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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April 17, 2025

Car Accident Procedures Involving Tourist Drivers

By Sabado Domingo

In Texas, unsafe lane changes contributed to approximately 8% of car accidents last year, underscoring the complexities that can arise in collisions, particularly those involving tourists who may be unfamiliar with local driving conditions and ...

Continue reading Car Accident Procedures Involving Tourist Drivers

June 25, 2024

How to Use Credit Card Chargebacks to Get Refunds from Stubborn Vendors

By Anum Yoon

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 ...

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August 15, 2023

How Do I Choose the Best Secured Credit Card?

By Len Penzo

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 ...

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November 19, 2020

How Do I Choose the Best 0% Purchase Credit Card?

By Len Penzo

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?

September 17, 2020

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