January 10, 2020
The new year is in full swing and you’re doing your best to get a grip on your finances. While there’s a lot to think about, it’s important to turn some of your attention to your credit card and whether or not now’s the time for a change. Before we discuss what to look for in a credit card in 2020, let’s examine some of the questions you can answer to better understand if now’s the time for a change:
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January 5, 2020
It’s a question you may ask yourself time and time again: what is the best credit card for you? You assume there’s a simple answer, until you realize that there are hundreds upon hundreds of offers to choose from. Furthermore, since no two consumers are identical, what’s best for you may not be best for the next person. So, deciding which is the best credit card to apply for is a personal decision. You need to answer questions such as:
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December 25, 2019
It doesn’t matter if you’re starting a small business or are already a proud owner, it’s critical to keep a beat on your financial circumstances. For example, do you have a small business credit card? Does it make sense to apply for one in the near future? If you’re interested in securing a credit card for your small business, here are just a few of the many details you should take into consideration: 1. APR You may not have any
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December 20, 2019
Before you ever begin your search for a credit card, it’s important to understand why you want to add plastic to your wallet or purse. Without a clear idea of the reasons to use a credit card, you may find yourself applying for no purpose. And what sense does that make? Fortunately, you don’t have anything to worry about here. There are many reasons to use a credit card – as opposed to other forms of payment – including the
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December 12, 2019
There’s a lot on your plate as the calendar turns to a new year. This is particularly true when it comes to your finances. Even though it may not be high on your to-do list, it makes good sense to contact your credit card company at the start of the new year. This gives you the opportunity to better understand your account, while also asking a few key questions. Here are five questions to start with: 1. Is there anything
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December 5, 2019
You’ve finally come to the conclusion that you have entirely too much credit card debt. And while you understand the need to take action, you’re unsure of where to start. Time to learn about the benefits of balance transfer. If your debt is spread across several credit cards, it may make sense to consolidate it. One of the best ways of doing so is with a balance transfer credit card. While the basic gist is simple to understand, it’s the
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November 25, 2019
You have a credit card and you want to make the best use of it at all times. To do so, it’s critical to have a clear idea of which purchases to make on your card and which ones are best for another form of payment. What you purchase on your credit card is based largely on preference, but here are five items that belong on this list: 1. Online Purchases It goes without saying that you can’t pay with
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November 15, 2019
As 2019 comes to a close and 2020 arrives, there are a variety of finance related questions that deserve your attention. Even if you have positive vibes about the credit card you’re currently carrying, there are a few questions you can address to ensure that you’ll remain in a good spot for the months to come. Here are five credit card related questions to answer in 2020: 1. Is there anything your current credit card doesn’t offer that you want?
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November 10, 2019
You have excellent credit, you use a credit card often, and you’re looking for ways to make the most of your spending. In this case, it won’t be long before you come face-to-face with a few exclusive credit card offers. While the word “exclusive” means something different to everyone, when it comes to the credit card industry these offers are only for individuals with a high credit score and a reputation for being financially responsible. Exclusive credit card offers are
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November 5, 2019
You’ve pulled your credit report and score. You’ve compared credit card offers. You know exactly what you’re looking for. It’s exciting to receive a credit card approval, but there’s something you need to know: you don’t necessarily have to accept the offer. Before you say “yes” and begin to use your new credit card, there are some unique questions you’ll want to ask the issuer. Here are five to start with: 1. Do you report account information to all three
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October 30, 2019
Are you pondering what life would be like with a different credit card? Do you have reason to believe that making a change would benefit you financially? With excellent credit, adding a new credit card to your wallet or purse is typically a simple task. However, before you make a major change, it’s critical to answer a few very important questions. Here are five to address: 1. What’s your reason for wanting to make a change? You don’t necessarily need
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October 18, 2019
There is no better feeling than looking at your credit score and realizing that it falls into the excellent range. It takes a lot of hard work to achieve an excellent credit score, so you should be proud of yourself. However, there’s something to remember: just because you have excellent credit doesn’t necessarily mean you have no debt. Depending on the type of debt you’re carrying, you may find that consolidation is in your best interest. For example, a balance
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October 10, 2019
You like almost everything about your credit card, but there’s one primary detail holding you back from falling in love: your credit limit. It’s frustrating to carry a credit card with all the features and benefits you could ever need, but not be able to use it as often as you would like. There is no sure fire way to secure a higher credit limit, but there are steps you can take to make the request. Here are four options
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October 5, 2019
Are you in the process of comparing credit cards? Are you obsessed with the idea of securing the best offer? Do you understand what credit card issuers look at when reviewing your application? Your FICO score plays a big role when applying for a credit card. For example, if you have an excellent score, you’ll qualify for almost every offer you come across. Conversely, if you have a poor credit score, your options are a bit limited, thus forcing you
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September 18, 2019
Maybe you’re a new business owner. Or maybe you’ve been in business for a few years and realize that you need access to additional capital. A business credit card has a lot to offer, but before you apply there are five details that deserve your full and undivided attention: 1. Credit Needed There are business owners with excellent credit, as well as those with poor credit. While there’s an offer for everyone, those with good or excellent credit find it
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September 15, 2019
An excellent or exceptional FICO score can have a positive impact on many aspects of your finances. For example, when you’re applying for a credit card, a high FICO score improves the likelihood of an approval. According to Fair Isaac Corporation, an excellent FICO score falls between 800 and 850. Here’s some additional information directly from the company: “This credit score is well above the average score of U.S. consumers and clearly demonstrates to lenders that the borrower is an
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September 2, 2019
Excellent credit gives you a leg up when searching for a credit card (or a loan). Credit card companies and lenders are more likely to approve your application, as they can do so with confidence that you’ll abide by the terms and conditions of the agreement. While excellent credit is a solid jumping off point, there are still several steps you must take to secure the right credit card. Here’s what you need to do: 1. Know what you want
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August 29, 2019
Can you think of anything more exciting than taking a trip? It doesn’t matter if you’re traveling a few hours from home or to the other side of the world, it’s sure to put a big smile on your face. Unfortunately, there may be one thing standing between you and seeing the world: money. Even if you’re a budget-minded traveler, you still need money to embark on every journey. However, there are things you can do to work around this,
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August 22, 2019
An excellent credit score puts you in position to obtain a credit card with top of the line features. But, remember this: no two credit cards are identical. It’s important to use your excellent credit score to secure a card that meets all your wants and needs. Here are some of the many features to focus on as you compare offers: 1. Rewards Rate There’s nothing better than the ability to earn rewards for every dollar you spend. Rewards rates
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August 15, 2019
It takes a lot of time, effort, and financial dedication to achieve an excellent credit score. Once you reach the top, there’s only one thing on your mind: staying there for the rest of your life. While it’s difficult to obtain an excellent credit score, it’s easy to destroy it. In fact, if you make even one mistake, it could drag down your score. Here are five things that can kill your excellent credit score: 1. One Late Payment Get
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