Card Features Archives

Is it Possible to Get Interest Rates Lowered on Credit Cards?

January 2, 2024

Credit cards have become an essential financial tool for many people around the world, allowing users to conveniently make purchases and access credit. However, high interest rates on credit card balances can quickly accumulate debt and become a burden. It is natural to wonder if it is possible to lower these interest rates. In this article, we will explore the factors behind lowering interest rates on credit cards and strategies that can be employed to negotiate and obtain lower rates.
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How Interest Works on a Credit Card Cash Advance

December 22, 2023

When it comes to using a credit card, most people are familiar with making regular purchases and paying off their balance at the end of the month. However, there may be times when you need quick access to cash, and one option is to take a cash advance from your credit card. While this can be a convenient solution, it’s important to understand how interest works on credit card cash advances, as it can differ from the interest on regular
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Charge Cards vs. Credit Cards

July 5, 2023

In the world of personal finance, credit cards often take center stage. They’re ubiquitous in wallets around the world, used for everything from online shopping sprees to monthly bill payments. However, there’s another player in the arena that often gets overlooked – the charge card. Both charge cards and credit cards can be useful financial tools, but understanding their differences is key to using them effectively. Understanding Credit Cards Credit cards, issued by financial institutions, allow users to borrow money
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The Benefits of Using Credit Cards for Everyday Expenses

April 15, 2023

Credit cards have become an integral part of modern-day living. They offer a convenient way to pay for your everyday expenses without having to carry cash. Besides convenience, using credit cards for daily spending has several benefits that can help you save money and streamline your finances. Defining Everyday Expenses Everyday expenses refer to the regular expenses you incur for your daily needs, such as groceries, gas, utilities, and entertainment. It’s important to keep track of your everyday expenses to
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How to Choose the Best Credit Card for Your Lifestyle

March 5, 2023

Choosing the right credit card can be overwhelming, but it’s important to find a card that suits your unique lifestyle and spending habits. Here are some key factors to consider when selecting the best credit card for you: Rewards Rewards are one of the most popular features of credit cards, and for good reason. They can help you earn points, miles, or cash back on your purchases, which can then be redeemed for travel, merchandise, or statement credits. When selecting
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Credit Card Security: Tips for Protecting Your Personal Information

February 21, 2023

With so many benefits of using a credit card — such as the opportunity to earn reward points or cash back — it’s natural to rely on it as often as possible. As long as you manage your account responsibly, it’ll work in your favor over the long run. However, you must consider the security risks associated with using a credit card. In short, there’s always a chance that someone could steal your personal information. If that happens, it’s critical
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Do You Have to Use Your Credit Card?

December 11, 2021

Just because you have a credit card does not mean you have an obligation to use it. In fact, you may have applied for a credit card with the idea that you’ll use it sparingly, such as in the event of an emergency. Even though you don’t have to use your credit card, there are some things to keep in mind if this is the approach you’re going to take. Here are several points of consideration: 1. You could still
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What is the Best Credit Card?

May 28, 2021

What does the word best mean to you? How do you define this as it pertains to your credit card? What is the best credit card? It doesn’t matter if you’re searching for your first credit card or looking to add another one to your wallet or purse, it’s critical that you know what you want and how to get it. Here are five questions you can answer to help you move closer to finding the best card for your
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FAQs About Balance Transfer Credit Cards

January 5, 2021

Do you have more than one credit card balance? Are you beginning to run into trouble in regards to how you manage your debt? Are you tired of all the finance charges dragging you down each month? . If you answered yes to one or more of these questions, it’s time to consider the benefits of a balance transfer credit card. This is exactly what it sounds like. It gives you the power to transfer multiple balances to one credit
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Instant Approval Credit Cards

October 28, 2020

An instant approval credit card offers a convenient and efficient way to apply for credit. These cards are designed to eliminate the prolonged waiting period traditionally associated with credit card applications, providing applicants with a decision almost immediately. For many consumers, this quick turnaround can be appealing, especially when the need for credit arises suddenly. What is an Instant Approval Credit Card? As the name suggests, an instant approval credit card provides a nearly immediate decision on your application status.
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Questions for Your Credit Card Company at the Start of the New Year

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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5 Purchases to Make on Your Credit Card

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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So, You Want a Higher Credit Limit?

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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Travel Rewards Credit Cards: Have You Answered These Questions?

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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5 Ways to Kill Your Excellent Credit Score

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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Maintain an Excellent Credit Score Before Applying for a Credit Card

April 30, 2019

Do you have an excellent credit score? Are you aware of how much good this will do you when applying for a credit card? With excellent credit, you’ll qualify for almost every credit card offer imaginable. This allows you to more easily find an offer that suits your many requirements. However, there’s something to remember: it only takes one financial mistake to harm your credit score, thus making it more difficult to secure one of the best cards on the
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5 Tips for Choosing and Using a Cash Back Credit Card

April 22, 2019

A cash back credit card is exactly what it sounds like. With this, you earn cash back for every dollar you spend, thus giving you something of value in return for using the card. With the popularity of cash back credit cards on the rise, there’s no shortage of options. While this allows you to find the card that’s perfect for you and your financial habits, it also makes it more difficult to consider each and every offer. Here are
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Excellent Credit Gives You Access to the Best Credit Card Offers

April 15, 2019

It takes a lot of time and dedication to achieve an excellent credit score. Once you reach this goal, it’s time to put all your hard work into action. With excellent credit – defined by Experian as a score from 800 to 850 – you gain access to the best credit card offers. Furthermore, you can secure the lowest interest rates, top of the line perks, and killer rewards. What to do Next It’s important to use your excellent credit
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The Best Excellent Credit Credit Cards Have These Features

April 2, 2019

Do you have excellent credit? Are you interested in applying for a credit card? Do you know what to look for? Learn how to apply for the best excellent credit credit cards. When it comes to applying for a credit card, excellent credit gives you access to almost every offer imaginable. Not only does this provide you with more options, but it increases the odds of securing a credit card that suits your every want and need. While every excellent
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RushCard Prepaid Visa

February 27, 2019

The RushCard is a prepaid Visa card that comes with a variety of high level features, all of which are designed to provide you with financial benefits to improve your life. While there are other similar products on the market, the RushCard stands out thanks to its feature list and ease of getting started. How it Works The RushCard was designed with ease of use in mind. Getting started is a simple three-step process: Choose a card design and monthly
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