Credit Spotlight: Aspire® Cash Back Reward Card

December 28, 2021

It’s not always easy to decide where to start your financial journey. And that’s especially true when it comes to choosing a credit card. Fortunately, offers like the Aspire® Cash Back Reward credit card are available. Here’s how Aspire® — a credit card issued by The Bank of Missouri — describes its cash back credit card: Take the first step on your financial journey with Aspire®. With just a few clicks, you can enter your acceptance code and request your
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Steps to Take if You Lose Your Credit Card

December 18, 2021

Even if you’re overly protective of your finances, there may still come a time when you lose your credit card. And if that happens, you must take the right steps without delay.  Here are four things you should do: 1. Contact your credit card issuer This is priority number one, as your credit card issuer can cancel the card and issue you a new one (with new numbers). Doing so ensures that nobody can use your credit card.  The longer
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Do You Have to Use Your Credit Card?

December 11, 2021

Just because you have a credit card does not mean you have an obligation to use it. In fact, you may have applied for a credit card with the idea that you’ll use it sparingly, such as in the event of an emergency. Even though you don’t have to use your credit card, there are some things to keep in mind if this is the approach you’re going to take. Here are several points of consideration: 1. You could still
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Can I Get a Credit Card With Bad Credit?

December 5, 2021

If you have bad credit, it’s easy to assume that you’re disqualified from obtaining a credit card or loan. While it’s sure to be more difficult, there are steps you can take to improve the odds of securing the financial product you’re most interested in. So, can I get a credit card with bad credit? The simple answer is yes. Even if your credit score is less than desirable, there are steps you can take to obtain a credit card
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Top Reasons to Get a Credit Card

November 30, 2021

Are you thinking about applying for a credit card? Are you wondering if it’s a good idea? Do you have questions about how you’ll use it?  It’s natural to have questions and concerns when considering applying for a credit card. This is a big decision in your financial life. Fortunately, once you understand some of the top reasons to go down this path, it becomes easier to do so with confidence. Here are five top reasons to get a credit
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How to Choose the Right Student Credit Card

November 15, 2021

As a college student, it’s natural to have questions and concerns about your finances. This is particularly true if you don’t have any outside financial assistance, such as from your parents or another loved one. Students from all walks of life can benefit from a student credit card. However, before you apply for the first offer you come across, it’s critical to learn more about your many options. Here’s how you can do just that: Search online to compile a
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Credit Card or Personal Loan for Debt Consolidation?

November 5, 2021

Debt has a way of sneaking up on you. Just when you think you have everything in order, you realize that your finances are under pressure and changes are necessary. While there are many ways to get back on track, debt consolidation is one of your best options. There are many ways to consolidate your debt, with a credit card or personal loan among the most common. As you compare the pros and cons of both these options, you’ll come
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How Often Should You Review Your Budget?

October 25, 2021

Let’s face it: reviewing your budget isn’t something that you look forward to. In fact, if you’re like most people, you avoid this at all costs. That’s especially true if you’re confident that your budget is accurate and in good standing. Even though it may not be your idea of financial fun, there are times when you should review your budget. Consider the following: The Passage of Time This alone is reason enough to review your budget. For example, if
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What To Do If Your Credit Card Debt is Out of Control

October 15, 2021

Credit card debt has the potential to quickly spiral out of control. Just when you think you have everything in order, you realize that there’s a lot of work to do. If your credit card debt is out of control, it’s easy to panic. It’s easy to let it take over your life. But rather than head down this path, you should take a deep breath and realize that there are many paths to a better future. First things first,
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What are the Benefits of a Business Checking Account?

October 10, 2021

As a small business owner, entrepreneur, or someone interested in going down this path in the future, it’s critical to understand the benefits of a business checking account. Yes, you have other things to worry about in the early days of your business, but you don’t want to put this on the back burner. Here are some of the top benefits of opening a business checking account: Financial Protection This is one of those benefits that you should never overlook.
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The Benefits of Online Banking

October 3, 2021

Go back in time 20 years and online banking was in its infancy. While there’s still plenty of room for growth, it’s impressive to see just how much this industry has grown in a short period of time.  Understanding the many benefits of online banking can help you decide if it’s right for you. Let’s take a look at five reasons to give online banking a closer look: Easy to Open an Account Do you really want to drive to
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How to Ease Into Using a Credit Card

September 30, 2021

Are you new to the world of credit cards? Do you finally have your hands on your first card? Are you concerned that you could make a mistake (or several mistakes) that will affect your finances? There’s no denying the fact that using a credit card is a big deal. While it can benefit your finances in a number of ways, a simple mistake can cause trouble both now and in the future. Here are five tips that will help
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What Do You Get With a Balance Transfer Credit Card?

September 15, 2021

Even if you don’t need a balance transfer credit card today, this could change in the future. And if it does, you want to know what you’re doing and why this could be the right offer for you. There are a variety of benefits associated with a balance transfer credit card, including but not limited to: 1. Credit card debt consolidation If you have more than one credit card balance, you should strongly consider a balance transfer credit card. It
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Need a Personal Loan? Questions for Your Loan Officer

September 5, 2021

There may come a time when you realize that a personal loan is the best way to get your hands on the money you need. These unsecured loans can be used for many things, including but not limited to debt consolidation, home improvement projects, and traveling the world. While applying for and securing a personal loan online is more popular than ever, many people still opt to visit with a loan officer at a local bank. There’s nothing wrong with
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What is a Prepaid Credit Card?

August 30, 2021

At first glance, you may assume that a prepaid credit card is the same as a debit card or traditional credit card. However, as you dig deeper and learn more, you’ll come to find that there are a variety of differences that affect how you can use the card. Let’s start with a basic overview of prepaid credit cards. This type of card is not linked to a bank account. Instead, the money you deposit into your account is your
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How to Choose a Small Business Credit Card

August 22, 2021

As a small business owner, every financial decision you make is a big one. Even seemingly minor details can have a major impact on your company now and in the future. So, when it comes to choosing a small business credit card, it’s critical that you take the right steps at the right time. If you’re in the process of searching for and choosing a small business credit card, here are a handful of steps you can take to make
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How to Research Credit Cards Online

August 8, 2021

Searching for a credit card is easier than ever before, as you can turn to the internet to conduct the entire process from start to finish. While every step is important, it’s the research stage that can make or break your decision. The question of how to best research credit cards online has no defined answer. However, there are some basic steps you can take to ensure yourself of learning as much as possible in a reasonable period of time.
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What’s the Problem With a Credit Card Cash Advance?

July 25, 2021

As a credit card holder, you probably have the ability to take a cash advance. As the name suggests, this is money that you take from the credit limit of your credit card. This all sounds good, right? Well, before you proceed with a cash advance at a local ATM, it’s critical that you understand the potential drawbacks of doing so. Before we talk about the disadvantages, let’s review some of the benefits of a credit card cash advance: No
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Ask These Questions Before Paying a Credit Card Annual Fee

July 22, 2021

When searching for a credit card, it’s critical to pay attention to any and all fees associated with it. And that definitely includes the annual fee. Before we go any further, keep in mind that not every credit card has an annual fee. There are hundreds of offers that don’t require you to pay a fee in order to remain in good standing. If you’re thinking about applying for a credit card with an annual fee — or renewing one
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How to Improve Your Odds of a Car Loan Approval

July 15, 2021

Are you in the market for a new or used car? Are you concerned that you won’t qualify for a loan? Does this have you wondering if you’ll ever be able to purchase a vehicle? If you answered yes to these questions, you’re not alone. Many consumers are in the same position as you. Fortunately, there are a variety of steps you can take to improve your odds of a car loan approval. 1. Search Far and Wide for a
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