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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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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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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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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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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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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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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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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