March 13, 2019
If you have never been the victim of credit card fraud, it’s easy to overlook just how common it is. For example, Experian shares the following statistics: “The number of credit card numbers exposed in 2017 totaled 14.2 million, up 88% over 2016. In addition, nearly 158 million Social Security numbers were exposed in 2017, an increase of more than eight times the number in 2016.” So, not only is credit card fraud common, but the problem appears to be
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March 6, 2019
Do you have bad credit? Are you concerned about the impact it’s having on your finances? Are you ready to implement a strategy for boosting your score? It’s frustrating to learn that you have bad credit, but important to take immediate action. The first step you should take is to conduct a thorough review of your credit report. When doing so, there are five details to focus on: Payment History This makes up 35 percent of your FICO score, so
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February 27, 2019
Sign-up bonus credit cards are intriguing for many reasons. Above all else, this type of credit card provides you with a bonus – such as cash back, miles or points – for signing up for an account and meeting a minimum requirement (more on this below). With sign-up bonus credit cards growing in popularity, there is no shortage of options. All the most popular credit card issuers offer at least one sign-up bonus credit card, with many having several for
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The RushCard is a prepaid Visa card that comes with a variety of high level features, all of which are designed to provide you with financial benefits to improve your life. While there are other similar products on the market, the RushCard stands out thanks to its feature list and ease of getting started. How it Works The RushCard was designed with ease of use in mind. Getting started is a simple three-step process: Choose a card design and monthly
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February 20, 2019
As a business owner, it’s your responsibility to make a variety of financial decisions. While some are easier to make than others, anything that comes to light deserves your full and undivided attention. Depending on the stage of your business, you may be faced with this question: what does the perfect business credit card look like? If you’ve never applied for one of these in the past, you may not know exactly what you’re looking for. Fortunately, when you focus
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February 13, 2019
There are many benefits of a cash back credit card, including the fact that you’ll receive “real money” – not points – in exchange for the money you spend. With the ability to earn anywhere from one to five percent on purchases, it won’t be long before you realize just how quickly the money can add up. With so many cash back credit cards to choose from, making a final decision isn’t always easy. Here are five things to consider
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February 6, 2019
With the average American carrying a credit card balance of roughly $6,300, it’s easy to see why so many people shy away from this form of spending. If you have concerns about your ability to control your credit card spending, it goes without saying that you should opt for other forms of payment. However, if you understand the responsibility and potential risks of carrying a credit card, you may come to find that this benefits you in a number of
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January 29, 2019
Do you have bad credit or no credit? Is this making it difficult (if not impossible) to apply for a credit card? If you don’t qualify for a traditional, unsecured credit card, there’s another idea to consider: a secured credit card. With a secured credit card, you’re required to make a deposit to receive an approval. This deposit then serves as your credit limit, as well as collateral. For example, if you deposit $1,000 you’re able to spend up to
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January 21, 2019
As a college student, you’re well aware of the financial struggles you face. Even when you feel down and out, it’s important to realize that there are answers to all your problems. For example, there may come a point when you consider the benefits of applying for a student credit card. As such a big decision, you don’t want to sign on the dotted line until you’re 100 percent confident in your choice. If you’re on the fence, here are
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January 14, 2019
You’ve been doing a lot of thinking, and you realize there’s no better time than now to apply for a credit card. While this is a big decision, once you know it’s right for you it’s time to take action. This means something different to everyone, but there are basic steps you can take to prepare yourself. Here are four things you should do: 1. Check Your Credit Score This will give you a better idea of the type of
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January 7, 2019
It doesn’t matter if you’re starting or growing your business, you know one thing to be true: access to money is a good thing. You don’t want to go to extremes in regards to how much you borrow, but being able to get your hands on the money you need can make life as a business owner much easier (and less stressful). So, this leads to an important question: what’s the best way to gain access to the money you
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January 3, 2019
The more time you spend on your search for the perfect credit card the more you’ll realize that there are hundreds of offers to choose from. Understanding the most common types of credit cards can help you narrow your options. Here are five types to consider: 1. Standard Credit Card There’s nothing special about these, but that doesn’t mean they have nothing to offer. These cards are solid across the board, providing you with a revolving balance up to a
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December 17, 2018
There may come a point when you feel that you no longer need your credit card. This happens for many reasons. Maybe you have another credit card with more to offer. Or maybe you’re tired of finding yourself in debt. Regardless of the reason, you have the right to cancel your credit card. However, if you’re not careful with your approach, you could damage your credit score by doing so. Here are five times it makes sense to cancel your
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December 10, 2018
When was the last time you checked your credit score? Were you happy with what you saw? Do you need to take immediate action with the idea of boosting your score as soon as possible? With 2018 coming to an end, it’s time to turn your attention to the new year. This means many things in regards to your finances, including a focus on your credit score. According to Experian, credit scores fit into one of five categories: Exceptional: 800
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December 3, 2018
You hope you never find yourself face-to-face with an emergency, but there’s no way to predict the future. For example, your car could breakdown or you could be struck with a serious illness that requires immediate medical attention. Many emergencies will directly impact your finances. For this reason, it’s important to have a plan in place for avoiding a financial disaster. You don’t have to carry an emergency credit card, but doing so will give you peace of mind. With
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November 26, 2018
Do you have multiple credit cards with a balance? Are you finding it difficult to organize your debt and make regular monthly payments? If you answered yes to these questions, it may be time to consider a balance transfer credit card. The primary purpose of a balance transfer credit card is to consolidate multiple credit card balances, all with the goal of saving money on interest and better organizing your finances. Here are five questions to answer before applying for
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November 19, 2018
Are you in the process of searching for the perfect credit card? Are you closing in on a decision, but concerned about making the wrong selection? Despite your concerns, there are steps you can take to make the right choice at the right time. Most importantly, check on these five details of any offer you’re considering: 1. Annual Percentage Rate (APR) and Periodic Rate It’s critical to know these numbers, as you want to find a credit card with a
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November 12, 2018
It takes quite a bit of time and effort, combined with sound financial decisions, to achieve a good or excellent credit score. Not only is this something to be proud of right now, but a good score is also something you want to hold onto for the rest of your life. Unfortunately, if you’re not careful, you could make a mistake that harms your credit score. Here are seven to be aware of: 1. Late Payment Get this: it only
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November 5, 2018
With hundreds upon hundreds of credit card offers to choose from, you should be able to find one that suits your financial situation and goals. Conversely, with so many to consider, it can take a good amount of time to learn what each one has to offer. The best way to successfully compare credit cards is to answer these five questions for each offer you’re considering: 1. What makes it stand out from the crowd? Even when two credit card
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October 30, 2018
Prepaid or Secured Credit Card : Which is Best for You? Do you have poor credit? How about no credit history? If so, you may find it difficult to obtain an unsecured credit card. Fortunately, there are other options available to you. Most people with poor credit or no credit find that they can use a prepaid or secured credit card to their advantage. Is it the Same Thing? On the surface, prepaid and secured credit cards appear identical. And
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