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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What To Do If You Can’t Make Your Minimum Monthly Credit Card Payment?

June 30, 2021

When you receive your credit card statement in the mail or in your inbox, there are a few details that will immediately catch your attention. For some people, their eyes immediately search for the minimum monthly payment. As the name suggests, this is the minimum payment you must make to keep your account current. Even though the minimum monthly payment is less than your total balance, it doesn’t mean that you’ll have enough funds to comfortably pay it. In fact,
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How to Effectively Compare Mortgage Lenders

June 15, 2021

Buying a home is one of the biggest decisions you’ll ever make. For that reason, it’s critical that you choose the right mortgage lender. Making a mistake with this detail could have long lasting repercussions that bring both personal and financial stress into your life. While there’s no right or wrong way to compare mortgage lenders, there are some basic steps anyone can take to ensure that they make the right decision at the right time. Here’s what you need
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Travel Rewards Credit Cards: Frequently Asked Questions (FAQs)

June 5, 2021

Are you considering applying for a travel rewards credit card? Are you ready to make your move, but a bit concerned about heading down the right path? Do you have questions about all things related to travel rewards credit cards? These credit card offers are among the most popular, as they allow you to earn points that you can later redeem for travel. This includes everything from airline tickets and hotel stays to rental cars. Here are some of the
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What is the Best Credit Card?

May 28, 2021

What does the word best mean to you? How do you define this as it pertains to your credit card? What is the best credit card? It doesn’t matter if you’re searching for your first credit card or looking to add another one to your wallet or purse, it’s critical that you know what you want and how to get it. Here are five questions you can answer to help you move closer to finding the best card for your
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What to Look for on Your Credit Report

May 15, 2021

When was the last time you reviewed your credit report? Was it within the last year? Do you ever remember seeing a copy of it? Regardless of what has happened in the past, it shouldn’t dictate your approach to the future. As a general rule of thumb, request a copy of your credit report once a year. Tip: if you have any reason to review your report more often, don’t hesitate to do so. For example, this is a good
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Should You Apply for a Credit Card Fresh Out of College?

May 12, 2021

The question of whether or not you should apply for a credit card fresh out of college is a difficult one to answer. There are pros and cons of both paths, which makes it even more difficult to decide what to do next. Before we go any further, here’s one thing to remember: you don’t want to make a rash decision to apply for a credit card. It’s better to be 100 percent sure before taking action. Here are five
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Top Reasons to Use Your Credit Card to Pay for Your Vacation

May 7, 2021

Are you planning a vacation? Are you wondering how to best pay for it? If you’ve yet to strongly consider the benefits of paying with a credit card, now’s the time to do so. You may find that it’s the best way to not only book your vacation, but to also pay for expenses while you’re away from home. With all that in mind, let’s examine five top reasons to use your credit card to pay for your vacation: 1.
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Merrick Bank Double Your Line Platinum Visa Credit Card

May 5, 2021

The Merrick Bank Double Your Line Platinum Visa credit card has a little bit of something for everyone. And depending on your financial situation and what you’re trying to accomplish, it may have everything you’re looking for – plus much more. Apply Now While there’s a lot to like about this credit card (check out the benefits below), let’s start by examining four of its top features: $0 fraud liability: The Merrick Bank Double Your Line Platinum Visa credit card
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What to do if Your Credit Card is Stolen

April 22, 2021

You do your best to keep your credit card information safe. Even so, there could come a point when something goes wrong. Maybe you leave your credit card on the counter after making a purchase. Perhaps you make an online purchase from a public computer. Or it’s even possible that you could lend your credit card to someone you thought you could trust. Regardless of the details surrounding how your credit card was stolen, it’s critical that you take immediate
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What to Look for in a Student Credit Card

April 15, 2021

Are you a college student in search of a credit card? Are you in the process of helping your child apply for and secure a credit card? On the plus side, there are hundreds of student credit card offers to choose from. This increases the likelihood of finding one that suits your every want and need. Conversely, with so many choices, it takes a detailed comparison process to ensure that you make the right decision. No two students (or parents)
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Credit Spotlight: Chime® Debit Card

April 6, 2021

Sometimes, a new financial product or service comes to market and immediately takes the world by storm. Chime is one of those companies. Chime is best described as a modern online bank that provides fee-free financial services through a mobile app, as opposed to physical branches. Thanks to its customer-friendly features and targeted advertising and marketing campaigns, Chime has quickly grown into one of the top players in its niche of the financial services industry. Apply Now Here’s Chime’s mission
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The Benefits of Applying for a Personal Loan Online

April 3, 2021

Are you interested in securing a personal line? Are you wondering where to turn for the best service and the lowest rate? While there’s no shortage of options — especially if you have a relationship with a local bank — more borrowers than ever before are turning their attention to the internet. There are many benefits of applying for a personal loan online, including but not limited to the following. 1. Speed and Efficiency One of the biggest drawbacks of
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How to Find the Best Travel Rewards Credit Card

March 25, 2021

Do you enjoy traveling? Are you always looking for ways to save? Have you yet to apply for a travel rewards credit card? If you answered yes to these questions, now’s the time to take action. And by taking action, that means finding a travel rewards credit card that will help you earn points for future use. As you search online for the best travel rewards credit card, you’ll soon find that there are hundreds of offers to consider. While
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What to do if You Don’t Qualify for a Credit Card

March 15, 2021

There’s no worse feeling than applying for a credit card, just to receive a denial. When this happens, it’s easy to feel stuck. It’s easy to feel like there’s no way out. As frustrated as you may be, it’s no time to get down on yourself. Instead, it’s time to realize that you have options and to take the steps necessary to get what you want. Here are some of the basic steps you can take: 1. Find Out Why
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