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Credit Spotlight: Reflex® Platinum Mastercard®

June 25, 2020

Do you have less than perfect credit? Are you concerned that it’ll stop you from securing a credit card? If you answered yes to these questions, you’re in luck. The Reflex® Platinum Mastercard® is built for consumers just like you. You don’t need good or excellent credit. Even better, you get a lot in return by way of features. The Reflex® Platinum Mastercard® is issued by Celtic Bank, a Utah-Chartered Industrial Bank, Member FDIC under license from Mastercard International. In other
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Credit Spotlight: Surge® Platinum Mastercard®

June 10, 2020

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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Secured vs. Unsecured Credit Cards

May 25, 2020

When searching for a credit card, you’ll come to find that you have two general options: Secured credit card Unsecured credit card While these are similar in many ways, there are also several differences that you need to familiarize yourself with. What’s the Difference Between Secured and Unsecured Credit Cards? When most people think about credit cards, it’s the unsecured variety that comes to mind. You apply for a card, receive it by mail, and use it to make purchases
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Prepaid Credit Cards Explained

May 18, 2020

For people with bad credit or no credit, the idea of obtaining an unsecured credit card may seem farfetched. Fortunately, you have options. For example, a prepaid credit card may be just what you’re looking for. As the name implies, a prepaid credit card is one that’s secured with a prepayment. Since you’re offering a prepayment to the issuer, there’s no risk on their end. They have the legal right to keep your prepayment should you default on your account.
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Things to Know About Secured Credit Cards

May 10, 2020

More consumers than ever are taking the time to learn more about secured credit cards. While it’s not the first choice of many individuals, it’s a tool to strongly consider, thanks to a variety of high-level benefits. A secured credit card works just the same as an unsecured credit card, with one major difference: you’re required to provide a refundable security deposit in exchange for a line of credit. Yes, this means money out of your pocket to obtain the
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How to Check Your Credit Score

May 2, 2020

What is my credit score? Is there any way to find out? How can I improve it if I don’t even know what it is? These questions, among many others, may be on your mind. Fortunately, with the right knowledge, you’ll come to find that checking your credit score is a simple task. Before we get into the finer details of checking your score, let’s touch on some other important points of consideration. Your credit score is a numeric representation
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Upgrade Rolls Out Contactless Credit Card

April 30, 2020

As a result of the COVID-19 pandemic, people from one side of the country to the next are more concerned about their health than ever before. And for this reason, they’re looking for ways to minimize contact with other people and objects that could transmit the virus. Upgrade recently rolled out its contactless credit card, a product that the company hopes will slow the spread of the virus and allow consumers to return to their normal way of living. While
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Use Your Excellent Credit to Obtain the Perfect Credit Card

April 23, 2020

According to Experian, an “excellent” or “exceptional” credit score falls in the range of 800 to 850. While it’s a challenge to reach this level, once you’re there you’ll realize it can benefit you in a number of ways. For example, if you have excellent credit, you’re likely to qualify for almost every credit card offer. And that greatly increases the likelihood of finding one that meets all (or most) your requirements. While knowledge of your excellent credit score is
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Should You Consider a Student Credit Card?

April 15, 2020

Are you a college student? Are you the parent of a child who’s currently attending college? Are you interested in learning more about student credit cards? While a credit card isn’t a good idea for every student, it often makes sense for those who are responsible with money. If you’re interested in applying for a student credit card, here are some of the many benefits you can take advantage of: 1. Establish a Credit History Above all else, a student
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Got Bad Credit? Improve Your Chances.

April 4, 2020

Bad credit is frustrating and inconvenient on many fronts. For example, if you’re interested in obtaining a credit card, you may have concerns about your credit history and score holding you back. But before you give up, there’s something to remember: there are a variety of steps you can take to improve your chance of obtaining a credit card. You simply have to make the right moves at the right time. Here are four points of consideration: 1. Search for
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Can You Get a Credit Card with No Credit?

March 30, 2020

If you have a long credit history and excellent credit score, it’s typically easy to secure a credit card. But what if you’re fresh out of college? What if your credit history is limited? Can you still obtain a credit card? A history of no credit could pose a challenge. There’s no two ways about it: getting a credit card with no credit can be a challenge. However, with the right approach, you can kickstart the process and find yourself
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5 Things You can do Today to Boost Your FICO Score

March 25, 2020

What do you see when you look at your FICO score? A score that is just about as good as it can get? One that can stand some improving? FICO scores range from 300 to 850, with the majority of scores falling between 600 and 750. If this sounds familiar, you may be looking into the things you can do to boost your score. While nothing comes fast or easy in regards to your credit score, there are small changes
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Do You Have an Emergency Credit Card?

March 15, 2020

You never know when you’ll come face-to-face with an emergency. Should that happen, it has the potential to turn your finances upside down. Fortunately, if you prepare in advance, you’re in better position to deal with anything that comes your way. And that’s why you should consider carrying an emergency credit card. As the name suggests, this is a credit card that you keep nearby for emergencies only. You don’t pull it out to buy your morning coffee or upgrade
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What to Consider When Upgrading Your Credit Card

March 7, 2020

There’s a lot to be said for using the same credit card, year in and year out. In addition to the comfort level, you’re confident that your issuer will take care of you should a problem arise. However, there may come a point when you realize it’s time to upgrade your credit card. There are a few reasons why you may want to do this: Your credit score is higher now, thus putting you in position to secure a card
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Questions to Answer on Your Search for a New Credit Card

February 25, 2020

The time has come to search for a new credit card. Maybe you’re doing so because you simply want more spending power. Or maybe you’re ready to leave your old credit card in the past, as it no longer suits your financial circumstances and goals. Regardless of why you’re searching for a new credit card, you don’t want to take this decision lightly. If you make a poor choice, it could result in you revisiting the process once again in
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Rewards Credit Cards: Answer these FAQs

February 22, 2020

There is no better feeling than earning reward points or cash back every time you use your credit card. It’s a great way to get something of value in exchange for purchases you have to make. Let’s get to know more about the benefits of rewards credit cards. With the popularity of rewards credit cards on the rise, you have access to more offers than ever before. While a larger quantity helps you find the perfect fit, it can also
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Should You Consider a Secured Credit Card?

February 15, 2020

Do you have bad credit or no credit? Are you finding it difficult to obtain a credit card? Are you almost ready to give up? Perhaps it’s time to consider a secured credit card. Fortunately, there’s a financial tool that’s perfect for you (and millions of others in the same situation): a secured credit card. A secured credit card is designed for consumers with bad credit, no credit, or a short credit history. It requires a cash deposit upon opening
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What are the Benefits of Cash Back Credit Cards?

February 10, 2020

Cash back Credit cards – As you begin your search for the perfect credit card, it makes sense to focus on those that give you something in return for using it. And that’s why cash back and rewards credit cards have become so popular over the years. Before you apply for cash back credit cards, it’s a good idea to compare the finer details of three to five offers. This gives you a solid overview of what’s available, thus helping
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Credit Spotlight: Upgrade Cash Rewards Visa®

February 7, 2020

Are you in search of the perfect credit card, but have come to find that traditional offers don’t do it for you? Are you hoping to find something that better suits your current financial situation and future goals? While the Upgrade Cash Rewards Visa® isn’t the right choice for everyone, it’s certainly worth your consideration if you’re searching for something new and fresh. Apply Now In many ways, the Upgrade Cash Rewards Visa® allows you to combine the flexibility and
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Bad Credit Doesn’t Mean Living Without a Credit Card

January 15, 2020

Do you have bad credit? Are you concerned that you’ll never again be able to carry a credit card? Are you resigned to the fact that you have to find other ways to make purchases? While bad credit limits your options, it doesn’t mean you’ll never again have access to a credit card. In fact, if you take the right steps, you may be able to move down this path sooner than you ever thought possible. So, this leads to
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