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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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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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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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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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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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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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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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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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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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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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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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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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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March 19, 2018
Are you familiar with the differences between a credit card and prepaid card? Are you under the impression that these are pretty much one in the same? Have you come to find that one is better for you than the other? There are many differences between credit cards and prepaid cards, so you’ll want to tread softly as you compare the finer details and learn more about the pros and cons. The last thing you want to do is make
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March 6, 2018
What do you see when you look at your credit score? Are you happy with the number staring you in the face? Do you realize it’s not the worst, but that there is room for improvement? Do you have poor, good or fair credit? Applying for a credit card with “very good” or “exceptional” credit is easy. With such a high credit score, you don’t typically have to concern yourself with being turned away. However, if you have fair credit,
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February 28, 2018
When applying for a credit card, it can be both exciting and stressful as you wait to learn your credit limit. Some issuers provide this information the instant you’re approved, while others opt to share your limit in the letter that includes your actual credit card. There are two primary reasons why your credit limit is so important: Your limit impacts your buying power Your limit impacts your credit score, as 30 percent of your score is the ratio of
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February 21, 2018
Are you ready to apply for a credit card? Do you know what it takes to narrow down your options, all with the idea of finding the perfect piece of plastic? In today’s day and age, it’s easier than ever to apply for a credit card. You can search through offers online, learn more about the features of each one, and apply within a matter of minutes. While this level of convenience is sure to put a smile on your
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February 7, 2018
Do you have bad credit? Are you interested in applying for a credit card? Are you concerned that you won’t qualify for an offer that suits your financial needs? It’s simple to apply for a credit card when you have good credit. The only thing you have to worry about is choosing the right offer. Conversely, when you have bad credit, you’re faced with the challenge of finding an offer designed for consumers in your position. What is a Good/Bad
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January 30, 2018
Let’s face it: it’s not always easy to choose a credit card. In addition to the application requirements, your personal finances will also come into play. Fortunately, there are offers out there designed to make your life easier. And that’s where the Total Visa credit card comes into play. While this credit card is designed for a variety of consumers, it’s geared toward those who have dealt with financial challenges in the past. Furthermore, it’s perfect for consumers who have
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January 17, 2018
Do you have bad credit? Are you interested in applying for a credit card? Are you concerned that you won’t qualify for an offer that suits your financial needs? It’s simple to apply for a credit card when you have good credit. The only thing you have to worry about is choosing the right offer. Conversely, when you have bad credit, you’re faced with the challenge of finding an offer designed for consumers in your position. What is a Good/Bad
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