November 25, 2019
You have a credit card and you want to make the best use of it at all times. To do so, it’s critical to have a clear idea of which purchases to make on your card and which ones are best for another form of payment. What you purchase on your credit card is based largely on preference, but here are five items that belong on this list: 1. Online Purchases It goes without saying that you can’t pay with
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November 15, 2019
As 2019 comes to a close and 2020 arrives, there are a variety of finance related questions that deserve your attention. Even if you have positive vibes about the credit card you’re currently carrying, there are a few questions you can address to ensure that you’ll remain in a good spot for the months to come. Here are five credit card related questions to answer in 2020: 1. Is there anything your current credit card doesn’t offer that you want?
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November 10, 2019
You have excellent credit, you use a credit card often, and you’re looking for ways to make the most of your spending. In this case, it won’t be long before you come face-to-face with a few exclusive credit card offers. While the word “exclusive” means something different to everyone, when it comes to the credit card industry these offers are only for individuals with a high credit score and a reputation for being financially responsible. Exclusive credit card offers are
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November 5, 2019
You’ve pulled your credit report and score. You’ve compared credit card offers. You know exactly what you’re looking for. It’s exciting to receive a credit card approval, but there’s something you need to know: you don’t necessarily have to accept the offer. Before you say “yes” and begin to use your new credit card, there are some unique questions you’ll want to ask the issuer. Here are five to start with: 1. Do you report account information to all three
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October 30, 2019
Are you pondering what life would be like with a different credit card? Do you have reason to believe that making a change would benefit you financially? With excellent credit, adding a new credit card to your wallet or purse is typically a simple task. However, before you make a major change, it’s critical to answer a few very important questions. Here are five to address: 1. What’s your reason for wanting to make a change? You don’t necessarily need
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October 18, 2019
There is no better feeling than looking at your credit score and realizing that it falls into the excellent range. It takes a lot of hard work to achieve an excellent credit score, so you should be proud of yourself. However, there’s something to remember: just because you have excellent credit doesn’t necessarily mean you have no debt. Depending on the type of debt you’re carrying, you may find that consolidation is in your best interest. For example, a balance
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October 10, 2019
You like almost everything about your credit card, but there’s one primary detail holding you back from falling in love: your credit limit. It’s frustrating to carry a credit card with all the features and benefits you could ever need, but not be able to use it as often as you would like. There is no sure fire way to secure a higher credit limit, but there are steps you can take to make the request. Here are four options
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October 5, 2019
Are you in the process of comparing credit cards? Are you obsessed with the idea of securing the best offer? Do you understand what credit card issuers look at when reviewing your application? Your FICO score plays a big role when applying for a credit card. For example, if you have an excellent score, you’ll qualify for almost every offer you come across. Conversely, if you have a poor credit score, your options are a bit limited, thus forcing you
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September 18, 2019
Maybe you’re a new business owner. Or maybe you’ve been in business for a few years and realize that you need access to additional capital. A business credit card has a lot to offer, but before you apply there are five details that deserve your full and undivided attention: 1. Credit Needed There are business owners with excellent credit, as well as those with poor credit. While there’s an offer for everyone, those with good or excellent credit find it
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September 15, 2019
An excellent or exceptional FICO score can have a positive impact on many aspects of your finances. For example, when you’re applying for a credit card, a high FICO score improves the likelihood of an approval. According to Fair Isaac Corporation, an excellent FICO score falls between 800 and 850. Here’s some additional information directly from the company: “This credit score is well above the average score of U.S. consumers and clearly demonstrates to lenders that the borrower is an
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September 2, 2019
Excellent credit gives you a leg up when searching for a credit card (or a loan). Credit card companies and lenders are more likely to approve your application, as they can do so with confidence that you’ll abide by the terms and conditions of the agreement. While excellent credit is a solid jumping off point, there are still several steps you must take to secure the right credit card. Here’s what you need to do: 1. Know what you want
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August 29, 2019
Can you think of anything more exciting than taking a trip? It doesn’t matter if you’re traveling a few hours from home or to the other side of the world, it’s sure to put a big smile on your face. Unfortunately, there may be one thing standing between you and seeing the world: money. Even if you’re a budget-minded traveler, you still need money to embark on every journey. However, there are things you can do to work around this,
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August 22, 2019
An excellent credit score puts you in position to obtain a credit card with top of the line features. But, remember this: no two credit cards are identical. It’s important to use your excellent credit score to secure a card that meets all your wants and needs. Here are some of the many features to focus on as you compare offers: 1. Rewards Rate There’s nothing better than the ability to earn rewards for every dollar you spend. Rewards rates
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August 15, 2019
It takes a lot of time, effort, and financial dedication to achieve an excellent credit score. Once you reach the top, there’s only one thing on your mind: staying there for the rest of your life. While it’s difficult to obtain an excellent credit score, it’s easy to destroy it. In fact, if you make even one mistake, it could drag down your score. Here are five things that can kill your excellent credit score: 1. One Late Payment Get
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August 2, 2019
It takes a lot of work to achieve an excellent (or exceptional) FICO score. While it doesn’t come overnight, it’s well worth it in the long run. According to Experian, a FICO score of 800 or higher is considered excellent. Only 21 percent of people have an excellent credit score, but those who do are in position to take advantage of many benefits. Here are five ways to benefit from an excellent FICO score in the future: 1. Get a
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July 22, 2019
A good credit score isn’t something you achieve overnight. It takes hard work, dedication, and a sound financial approach to take your score to new heights. If you have little to no credit history, it’s common to become frustrated with your situation. No matter how hard you try, you can’t seem to make as much progress as you would like. For example, you may struggle to obtain an unsecured credit card. After all, credit card issuers typically want to do
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July 15, 2019
It’s one thing to show interest in a student credit card, but another thing entirely to make the right decision at the right time. Student credit cards are designed for consumers ages 18 to 22 with limited or no credit history. Do You Qualify? As a result of the Credit Card Accountability, Responsibility, and Disclosure (CARD) Act of 2009, credit card issuers were forced to make changes to marketing practices and the type of consumers they target. Here are a
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July 10, 2019
Are you interested in applying for a student credit card? Are you ready to make your move, but have some concerns about how it’ll impact your finances? With so many benefits (more on this below), you may soon realize that a student credit card is just what you need to improve your financial circumstances. If you’re hoping to apply for and secure a student credit card in the near future, answer these five questions as soon as possible: 1. How
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July 5, 2019
Is your college age child interested in applying for a student credit card? Are you concerned about their ability to manage their spending in a responsible manner? Are you hesitant about co-signing? There’s no denying the fact that co-signing on a student credit card for your child is a big decision. Not only are you on the hook if something goes wrong, but you may also have legitimate concerns about your child’s ability to manage their spending. However, there are
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June 25, 2019
It’s no easy task to build an excellent credit score. It takes many years of using your credit, paying your bills on time, and avoiding costly mistakes. Once you reach this level, don’t just sit back and enjoy the fact that you’re on top. Instead, search for ways to use your excellent credit score to improve your finances and save money. Here are five top benefits of an excellent credit score: 1. Search for the Best Available Credit Card Offer
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