April 30, 2020
As a result of the COVID-19 pandemic, people from one side of the country to the next are more concerned about their health than ever before. And for this reason, they’re looking for ways to minimize contact with other people and objects that could transmit the virus. Upgrade recently rolled out its contactless credit card, a product that the company hopes will slow the spread of the virus and allow consumers to return to their normal way of living. While
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April 23, 2020
According to Experian, an “excellent” or “exceptional” credit score falls in the range of 800 to 850. While it’s a challenge to reach this level, once you’re there you’ll realize it can benefit you in a number of ways. For example, if you have excellent credit, you’re likely to qualify for almost every credit card offer. And that greatly increases the likelihood of finding one that meets all (or most) your requirements. While knowledge of your excellent credit score is
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April 15, 2020
Are you a college student? Are you the parent of a child who’s currently attending college? Are you interested in learning more about student credit cards? While a credit card isn’t a good idea for every student, it often makes sense for those who are responsible with money. If you’re interested in applying for a student credit card, here are some of the many benefits you can take advantage of: 1. Establish a Credit History Above all else, a student
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April 4, 2020
Bad credit is frustrating and inconvenient on many fronts. For example, if you’re interested in obtaining a credit card, you may have concerns about your credit history and score holding you back. But before you give up, there’s something to remember: there are a variety of steps you can take to improve your chance of obtaining a credit card. You simply have to make the right moves at the right time. Here are four points of consideration: 1. Search for
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March 30, 2020
If you have a long credit history and excellent credit score, it’s typically easy to secure a credit card. But what if you’re fresh out of college? What if your credit history is limited? Can you still obtain a credit card? A history of no credit could pose a challenge. There’s no two ways about it: getting a credit card with no credit can be a challenge. However, with the right approach, you can kickstart the process and find yourself
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March 25, 2020
What do you see when you look at your FICO score? A score that is just about as good as it can get? One that can stand some improving? FICO scores range from 300 to 850, with the majority of scores falling between 600 and 750. If this sounds familiar, you may be looking into the things you can do to boost your score. While nothing comes fast or easy in regards to your credit score, there are small changes
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March 15, 2020
You never know when you’ll come face-to-face with an emergency. Should that happen, it has the potential to turn your finances upside down. Fortunately, if you prepare in advance, you’re in better position to deal with anything that comes your way. And that’s why you should consider carrying an emergency credit card. As the name suggests, this is a credit card that you keep nearby for emergencies only. You don’t pull it out to buy your morning coffee or upgrade
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March 7, 2020
There’s a lot to be said for using the same credit card, year in and year out. In addition to the comfort level, you’re confident that your issuer will take care of you should a problem arise. However, there may come a point when you realize it’s time to upgrade your credit card. There are a few reasons why you may want to do this: Your credit score is higher now, thus putting you in position to secure a card
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February 25, 2020
The time has come to search for a new credit card. Maybe you’re doing so because you simply want more spending power. Or maybe you’re ready to leave your old credit card in the past, as it no longer suits your financial circumstances and goals. Regardless of why you’re searching for a new credit card, you don’t want to take this decision lightly. If you make a poor choice, it could result in you revisiting the process once again in
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February 22, 2020
There is no better feeling than earning reward points or cash back every time you use your credit card. It’s a great way to get something of value in exchange for purchases you have to make. Let’s get to know more about the benefits of rewards credit cards. With the popularity of rewards credit cards on the rise, you have access to more offers than ever before. While a larger quantity helps you find the perfect fit, it can also
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February 15, 2020
Do you have bad credit or no credit? Are you finding it difficult to obtain a credit card? Are you almost ready to give up? Perhaps it’s time to consider a secured credit card. Fortunately, there’s a financial tool that’s perfect for you (and millions of others in the same situation): a secured credit card. A secured credit card is designed for consumers with bad credit, no credit, or a short credit history. It requires a cash deposit upon opening
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February 10, 2020
Cash back Credit cards – As you begin your search for the perfect credit card, it makes sense to focus on those that give you something in return for using it. And that’s why cash back and rewards credit cards have become so popular over the years. Before you apply for cash back credit cards, it’s a good idea to compare the finer details of three to five offers. This gives you a solid overview of what’s available, thus helping
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February 7, 2020
Are you in search of the perfect credit card, but have come to find that traditional offers don’t do it for you? Are you hoping to find something that better suits your current financial situation and future goals? While the Upgrade Cash Rewards Visa® isn’t the right choice for everyone, it’s certainly worth your consideration if you’re searching for something new and fresh. Apply Now In many ways, the Upgrade Cash Rewards Visa® allows you to combine the flexibility and
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January 15, 2020
Do you have bad credit? Are you concerned that you’ll never again be able to carry a credit card? Are you resigned to the fact that you have to find other ways to make purchases? While bad credit limits your options, it doesn’t mean you’ll never again have access to a credit card. In fact, if you take the right steps, you may be able to move down this path sooner than you ever thought possible. So, this leads to
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January 10, 2020
The new year is in full swing and you’re doing your best to get a grip on your finances. While there’s a lot to think about, it’s important to turn some of your attention to your credit card and whether or not now’s the time for a change. Before we discuss what to look for in a credit card in 2020, let’s examine some of the questions you can answer to better understand if now’s the time for a change:
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January 5, 2020
It’s a question you may ask yourself time and time again: what is the best credit card for you? You assume there’s a simple answer, until you realize that there are hundreds upon hundreds of offers to choose from. Furthermore, since no two consumers are identical, what’s best for you may not be best for the next person. So, deciding which is the best credit card to apply for is a personal decision. You need to answer questions such as:
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December 25, 2019
It doesn’t matter if you’re starting a small business or are already a proud owner, it’s critical to keep a beat on your financial circumstances. For example, do you have a small business credit card? Does it make sense to apply for one in the near future? If you’re interested in securing a credit card for your small business, here are just a few of the many details you should take into consideration: 1. APR You may not have any
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December 20, 2019
Before you ever begin your search for a credit card, it’s important to understand why you want to add plastic to your wallet or purse. Without a clear idea of the reasons to use a credit card, you may find yourself applying for no purpose. And what sense does that make? Fortunately, you don’t have anything to worry about here. There are many reasons to use a credit card – as opposed to other forms of payment – including the
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December 12, 2019
There’s a lot on your plate as the calendar turns to a new year. This is particularly true when it comes to your finances. Even though it may not be high on your to-do list, it makes good sense to contact your credit card company at the start of the new year. This gives you the opportunity to better understand your account, while also asking a few key questions. Here are five questions to start with: 1. Is there anything
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December 5, 2019
You’ve finally come to the conclusion that you have entirely too much credit card debt. And while you understand the need to take action, you’re unsure of where to start. Time to learn about the benefits of balance transfer. If your debt is spread across several credit cards, it may make sense to consolidate it. One of the best ways of doing so is with a balance transfer credit card. While the basic gist is simple to understand, it’s the
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