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October 21, 2018

Magnetic Strip and Chip Credit Cards: What’s the Difference? Here’s a scenario that you play out time and time again. You visit a local store, grab the items you need, and head for the cash register. At that point, you’re asked to swipe or insert your credit card. While you never think twice about the check-out process, there’s something you need to know: there are many differences between magnetic strip and chip credit cards. For many years, magnetic strip credit
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Do You Know Why Your Credit Card Application was Denied?

October 15, 2018

Do You Know Why Your Credit Card Application was Denied? When you apply for a credit card, you hope to receive an immediate approval. If this happens, you know it won’t be long before you can start using your credit card. Unfortunately, there is no guarantee of an approval. If your application is denied, it’s important to do two things: Learn more about what went wrong Continue your search There are many reasons an issuer may deny a credit card
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Apply for a Credit Card with an Approval in Mind

October 7, 2018

Apply for a Credit Card with an Approval in Mind You don’t apply for a credit card with the idea that your application will be denied. Instead, you hope for an immediate approval, so you can begin using the credit card in the near future. While you can only do so much to improve the likelihood of an approval, there are some tips you should definitely follow: 1. Check Your Credit Report and Score Applying for “just any” credit card
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5 of the Most Common Types of Credit Cards

October 1, 2018

5 of the Most Common Types of Credit Cards When searching for a credit card the last thing you want to do is assume that every offer is the same. There are many types of credit cards, all of which provide a variety of features and benefits. As a consumer, it’s your job to compare each type of credit card with the idea of choosing the one that’s best for you. Here are five of the most common types of
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7 Things To Think About Before Applying For Your First Credit Card

September 17, 2018

7 Things To Think About Before Applying For Your First Credit Card There are many benefits of carrying a credit card. From building a strong credit history to collecting points for every purchase you make, now may be the time to begin your search. Here are some tips for applying for your first credit card. As excited as you may be, there are seven things you need to know before applying for your first credit card: No Two Credit Cards
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4 Ways to Get a Higher Limit on Your Credit Card

September 3, 2018

4 Ways to Get a Higher Limit on Your Credit Card There may come a time when you realize that your current credit card limit is not high enough. Here are some tips to get a higher limit. Getting a higher credit limit sounds like a great idea, but it’s important to understand the risks. If you pay your bill in full every month, increasing your credit limit can provide you with additional spending flexibility. Furthermore, with a higher limit
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Why Your Credit Application Was Declined and What You Can Do

August 20, 2018

Credit Application Was Declined and What You Can Do It doesn’t matter if you’re applying for a credit card or some type of loan (such as for a car or home), you hope to receive an immediate approval that allows you to move forward with your plans. Unfortunately, this doesn’t always happen. It’s possible your credit application could be denied, thus causing you to change your course and learn more about what went wrong. As disappointing as a denial may
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Not Paying Late is the Best Way to Keep Your Good Credit

August 13, 2018

Not Paying Late is the Best Way to Keep Your Good Credit. Making a late payment on a loan or credit card can (and probably will) harm your credit score. It doesn’t matter if you’re five days late or 100 days late, neglecting to pay your bills on time will impact your finances in many ways. The Trouble With Late Payments Credit card companies and lenders look at many things when deciding whether or not to issue credit, with your payment
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Credit Spotlight: FIT™ Platinum Mastercard®

August 6, 2018

Do you have less than perfect credit? Are you hoping to secure a credit card, despite your past financial struggles? Try the FIT™ Platinum Mastercard® . While anyone can apply for the FIT™ Platinum Mastercard® – even consumers with good or excellent credit – it’s best for the following groups of people: Those with fair or poor credit Those with limited credit history Those with no credit history With the help of the FIT™ Platinum Mastercard®, as long as you
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Why People With Bad Credit Pay Higher Interest Rates

July 29, 2018

Do you have bad credit? Are you concerned about the impact on your finances? Are you worried that it will cost you money both now and over the long run? According to Experian, bad or very poor credit is defined as a score between 300 and 579. While you may feel alone with a credit score in this range, Experian also notes that approximately 16 percent of people are in the same position. One of the primary downfalls of bad
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Best Practices For Paying Your Credit Card Bill On Time

July 20, 2018

Best Practices For Paying Your Credit Card Bill On Time With credit card debt at a record high, there’s no better time than now to review your finances with an eye toward avoiding trouble. Like millions of others, you use a credit card to make a variety of purchases. And like millions of others, you receive a bill once a month. It’s critical to implement a plan for paying your credit card bill on time, every time. Neglecting to do
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How to Avoid Paying Credit Card Late Fees

July 13, 2018

How to Avoid Paying Credit Card Late Fees Upon signing up for a credit card you are provided a list of fees, all of which have the potential to come into play at some point in the future. While you have the opportunity to avoid late fees, this is often easier said than done. A late fee is exactly what it sounds like: a fee your credit card company charges if you don’t make the minimum payment by the due
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Why Some Credit Card Issuers Might Require a Deposit

July 6, 2018

Why Some Credit Card Issuers Might Require a Deposit Depending on your credit score and history, you may find that many (or all) credit card companies are requiring you to make a deposit. A secured credit card is one of the better ways for someone with no credit or bad credit to improve their score, all with the idea of eventually moving onto an unsecured offer in the future. What is a Secured Credit Card? Simply put, a secured credit
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Learn the Benefits of Business Credit Cards

May 18, 2018

Business Credit Cards Just as individual consumers can benefit from the use of a credit card, the same holds true for businesses and business credit cards (both big and small). Before applying for a business credit card, it’s important to learn more about the many types and benefits. This will help you better understand which offer is best for your company. Let’s start by examining the top benefits of using a business credit card: Opportunity to earn reward points for
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Top Reasons for a Credit Card Denial

May 11, 2018

Top Reasons for a Credit Card Denial Are you in the process of searching for the perfect credit card? Do you have some concerns about the application process? Are you worried that you will receive a credit card denial? There is no way of knowing for sure if you will be approved for a credit card, but you can improve your odds by understanding the eligibility requirements before applying. For example, if you have average or poor credit, don’t apply
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Credit Spotlight: First Access Visa

May 4, 2018

Are you interested in applying for a credit card, but concerned that your credit rating will hinder your ability to receive an approval? Check out the First Access Visa. If so, the First Access Visa credit card may be the offer you’ve been searching for. With this, you can gain access to all the benefits and features of a traditional Visa credit card, all without the requirement of good or excellent credit. Getting Started is Easy First Access Visa eliminates
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ABOC Platinum Rewards

April 30, 2018

Are you interested in carrying a platinum rewards credit card that provides all the high level features you’ve come to expect? The ABOC Platinum Rewards might be the card for you. If so, you don’t have to look any further than the ABOC Platinum Rewards credit card. Before we discuss the many benefits and features of this MasterCard, it’s important to become familiar with the offer itself. To start, it’s good to know that ABOC (Amalgamated Bank of Chicago) has
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Surge® Platinum Mastercard®

April 12, 2018

As a consumer with less than perfect credit, finding a credit card is easier said than done. Just when you think you’ve found the right offer, you realize that you don’t qualify. Fortunately, there are a variety of offers for consumers in your position, including the Surge® Platinum Mastercard®. The Surge® Platinum Mastercard® is issued by Celtic Bank, a Utah-Chartered Industrial Bank. It is also a member FDIC under license from Mastercard International. Do You Qualify? If you have questions
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The Benefits of Secured Credit Cards

April 3, 2018

Are you finding it difficult to qualify for a traditional credit card? Are you interested in learning more about a secured credit card? Do you have reason to believe that this could improve your financial situation? Secured Credit Card In many ways, a secured credit card is exactly the same as a traditional credit card. However, there is one major difference: with a secured credit card, you are required to make a deposit in order to receive an approval. The
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Choose the Right Credit Card for Your Credit Score

March 30, 2018

There is a lot to consider when applying for a credit card. In addition to hundreds upon hundreds of offers, your credit score, history, and personal finances will have a big impact on what happens next. Here’s an often overlooked tip: you need to choose a credit card based largely on your credit score. When you know your credit score, there’s less guesswork when selecting an offer and completing an application. Instead, you’ll know exactly where you stand, which makes
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