Bad Credit? Six Must-Read Tips to Getting a New Card

January 27, 2021

Are you planning to get a new card to rebuild your credit history or simply obtain an extra source of much-needed funds? When you have bad credit, you may feel that it’s next to impossible to get approved by credit card providers. You may not have the favorable options people with excellent credit scores have, but you can still use several handy methods to fix your credit history and work your way toward being financially responsible and capable. Read on
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Credit Spotlight : Jasper Mastercard®

January 20, 2021

The Jasper Mastercard®, issued by WebBank, is designed for professionals seeking a different type of credit card experience. Forget everything you know about credit cards. That’s the Jasper Mastercard® tagline, and it provides a clear idea of what the company is trying to portray to its audience. They want people to see credit cards in a different light. Apply Now How is the Jasper Mastercard® Different? There are quite a few details that set the Jasper Mastercard® apart from the
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Quick Tip: Applying for Credit Card

Applying for a credit card is generally a decision based on your personal finances. For instance, a credit card is one of the best tools for building your credit history after graduating from college. That’s a good reason to apply. Conversely, if you’re searching for a credit card to make a purchase, you'll need to consider other factors like if you intend to carry a balance.

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Choosing a Credit Card That Works for You

January 18, 2021

Once upon a time, it was relatively easy to choose a credit card.   There were basically three choices: Visa, American Express, or MasterCard. There now exists a plethora of options, turning a once simple decision into an incredibly difficult one.  For example, you have to consider a number of potential features: lower interest rate, no-fee, travel rewards, cash-back, or even regular rewards points.  The decision can be mind-boggling. Become familiar with associated fees First you need to determine if you are
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Credit Card Benefits to Look Out For

January 17, 2021

With a greater choice of credit cards available than ever before, it can be difficult to determine which one is best for you. Some credit cards are best suited to managing existing debts more effectively, while others are ideal for everyday purchases. The options which you have available to you will depend largely on your credit score. If you have managed to pay off your debts on time in the past, then you should have a better credit score than
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Quick Tip: Check Your Credit Score

When was the last time you checked your credit score? Can you remember, or was it so long ago that it has slipped your mind? While there’s no good reason to check your credit score every day of the week, you should get into the habit of doing so regularly. Check out is this great article on the topic.

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When is a Credit Card Annual Fee Worth It?

January 10, 2021

Are you on the search for a new credit card? Are you wondering if it’s a good idea to pay an annual fee? In an overall sense, only you know if you’re comfortable paying an annual fee. You have to ultimately make this decision on your own. However, before you decide for or against this, it never hurts to take a closer look at the finer details. Before we go any further, let’s make sure you’re familiar with what an
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FAQs About Balance Transfer Credit Cards

January 5, 2021

Do you have more than one credit card balance? Are you beginning to run into trouble in regards to how you manage your debt? Are you tired of all the finance charges dragging you down each month? . If you answered yes to one or more of these questions, it’s time to consider the benefits of a balance transfer credit card. This is exactly what it sounds like. It gives you the power to transfer multiple balances to one credit
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Quick Tip: Secured vs. Unsecured Credit Cards

With a secured credit card, you’re required to make a cash deposit in order to use the card. This deposit acts as your collateral and credit limit. A secured credit card is typically for consumers with no credit or bad credit. An unsecured credit card is the more traditional of the two, as it doesn’t require a deposit to get started. Instead, your credit limit is based on your credit score, credit history, and income.

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Potential Credit Card Mishaps in the New Year

December 31, 2020

With the new year here, there’s no better time than now to take full control of your finances. And for many people, that means staying as far away from potential credit card mishaps as possible. The last thing you want to do is make a mistake that will cost you time and/or money. Should this happen, your financial situation can take a hit, which results in more complications in the future. On the plus side, when you’re aware of the
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Surprise! There May be Errors on Your Credit Report

December 15, 2020

Even though you expect your credit report to be free of errors, this isn’t necessarily the case. Here’s the problem: the only way to know if there’s an error on your credit report is to regularly review it. And that’s why you should get into the habit of doing so at least once a year. Should you come to find an error on your credit report, regardless of what it may be, it’s critical that you take immediate action. This
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Quick Tip: The Interest Rate

In a perfect world, you would never be charged interest for using a credit card. Unfortunately, most credit cards – outside of balance transfer offers with an introductory zero percent rate – have an interest rate attached to it. The key thing to remember is that you only pay interest if you carry a balance from month to month. Get into the habit of paying your bill in full as a way to avoiding finance charges.

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How to Manage Joint Credit Card Debt in Divorce

November 24, 2020

There’s a lot to think about as you prepare for the divorce process, with many concerns turning toward your current and future financial circumstances. It doesn’t hold true for everyone, but many divorcing couples find that they have joint credit card debt to manage. There’s no one size fits all approach, but there are several strategies to consider. Here’s where you should start: 1. Pay it Off Together If you’re able to talk through your debt, you may realize that
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What are the Benefits of a Small Business Credit Card?

November 12, 2020

As a small business owner, it’s natural to have questions and concerns regarding your finances. Fortunately, with the right tools on your side, it’s easier to feel confident in every decision you make. A small business credit card is something to strongly consider, with benefits including: 1. Opportunity to Finance Purchases Rather than pay outright for purchases with cash, you can use a small business credit card to finance them. This allows you to keep cash on hand, while also
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What to do if You Max Out Your Credit Card

November 5, 2020

When you apply for a credit card, you do so with the idea that you’ll manage it in a responsible manner. But them something happens: you quickly find your balance growing out of control. Before you know what hit you, your credit card is maxed out and you’re in a deep hole. Should you find yourself in this position, there are three things you need to do: 1. Don’t Panic There’s nothing worse than learning that your credit card is
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What is an Instant Approval Credit Card?

October 28, 2020

An instant approval credit card is exactly what it sounds like. These offers are designed to remove all the guesswork from completing an application and waiting for a decision. In some cases, instant doesn’t mean instant. Instead, after applying online, it may take several minutes to receive a decision. But in the grand scheme of things, this is much better than waiting several days or longer. How Does it Work? When you apply for an instant approval credit card, the
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These Credit Card Questions are Common: Have You Answered Them?

October 22, 2020

It doesn’t matter if you’ve been using credit cards for many years or are in the process of applying for your first one, you’re likely to have questions (and maybe even a few concerns). Fortunately, when you address the most common questions as they come at you, it’s much easier to feel confident in how you’re using your card or searching for a new offer. If you don’t know where to start, here are 21 frequently asked credit card questions
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SBA Loans and Coronavirus Relief Options

October 15, 2020

As a business owner, there are many funding options available to you. For example, U.S. Small Business Administration (SBA) loans have long been popular among both new and established businesses. In today’s day and age, with many companies reeling from the economic impact of the coronavirus, SBA loans are getting more attention than ever before. As you come to better understand your current financial circumstances and future goals, it’s critical to consider every type of funding that’s available to you.
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What are Economic Injury Disaster Loans?

October 5, 2020

Are you part of a small business or non-profit organization? Are you currently going through a rough financial patch as the result of the COVID-19 pandemic? If you answered yes to both questions, it may be time to learn more about economic injury disaster loans. These are designed to provide economic relief to small businesses and non-profit organizations dealing with a temporary loss of revenue. How to Get an Economic Injury Disaster Loan These loans are guaranteed by the U.S.
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Credit Sesame – Free Credit Score

September 25, 2020

Let’s face it: there are many aspects of your finances that are critical to your current life, as well as the future. And that definitely holds true of your credit score. If you don’t know your credit score and/or can’t remember the last time you checked it, now’s the time to take action. There are many ways to obtain your credit score for free, with the Credit Sesame free credit score service at the top of the list. Before we
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Credit Spotlight: Reflex Mastercard

Do you have less than perfect credit? Are you concerned that it’ll stop you from securing a credit card? If you answered yes to these questions, you’re in luck. The Reflex Mastercard is built for consumers just like you. You don’t need good or excellent credit. Even better, you get a lot in return by way of features. The Reflex Mastercard is issued by Celtic Bank, a Utah-Chartered Industrial Bank, Member FDIC under license from Mastercard International. In other words,
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5 Ways a Personal Loan can Change Your Life for the Better

September 22, 2020

Many people never think twice about the benefits of a personal loan. Instead, they assume that it’s something for everyone but them. But before you let that line of thinking hold you back, you should learn more about what it can do for you. A personal loan can change your life for the better. Here are some of the ways this can happen: 1. Consolidate Debt Do you have many types of debt pulling you down? If so, it may
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How to Best Manage Credit Card Debt

September 18, 2020

In a perfect world, you’d never find yourself carrying credit card debt. Instead, you’d pay your balance in full each month and start fresh. Even if this is your goal – even if it’s something you’ve been able to do in the past – you never know what the future will bring. If you’re facing credit card debt, it’s important that you take the right steps at the right time. Doing so will put you on the right track to
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Can You Get a Credit Card with Bad Credit?

September 5, 2020

Bad credit will impact your finances in a variety of ways. For example, you may assume this will make it impossible to secure a credit card. While it may throw a wrench into your plans, it’s not the end of the world. You have options available. In short, you can get a credit card with bad credit. It may not be easy, but with the right approach you’ll find yourself inching closer to your goal. Here are three things to
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