Credit Benefits Archives

July 31, 2023

While credit cards offer the convenience of cashless transactions and the potential for rewards, they also come with a level of responsibility. A crucial part of this responsibility is understanding your credit card agreement. This binding document outlines the terms and conditions of your credit card usage, and navigating it can be a bit daunting. This article aims to help you demystify the credit card agreement, enabling you to make informed decisions about your card use. A credit card agreement
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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 Spending: Have You Answered These Questions?

November 15, 2022

A credit card is one of the most commonly used financial tools. There are many benefits, ranging from convenience to the ability to earn reward points. Conversely, there are some risks, such as overspending or using your credit card on items that you don’t really need. If you have any concerns about your credit card spending, now’s the time to take action. Waiting and hoping for the best is a risk you don’t want to take. It puts your entire
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How to Manage Credit Card Spending During the Holidays

October 30, 2022

There’s a lot to spend money on during the holiday season. From gifts to holiday meals to travel, it’ll seem like there’s no end to the spending. Unfortunately, when the holidays are in the past, your credit card statement will show you the true damage of your spending. If you want to avoid the shock of a large credit card bill this upcoming January, it’s important to implement a plan to manage your spending during the holidays. It’s the steps
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Credit Spotlight: Kikoff

June 30, 2022

Building credit doesn’t have to be difficult. It doesn’t have to be something that consumes your life and adds to your financial stress. With Kikoff, it’s easier than ever to take the steps needed to boost your credit score in a reasonable period of time. Start Here Kikoff addresses three key factors that determine 80 percent of your credit score: 1. Payment history We report your monthly payments to the three major credit bureaus (Equifax, Experian, and TransUnion). Every payment
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Steps to Take if You Lose Your Credit Card

December 18, 2021

Even if you’re overly protective of your finances, there may still come a time when you lose your credit card. And if that happens, you must take the right steps without delay. Here are four things you should do: 1. Contact your credit card issuer This is priority number one, as your credit card issuer can cancel the card and issue you a new one (with new numbers). Doing so ensures that nobody can use your credit card. The longer
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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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How to Ease Into Using a Credit Card

September 30, 2021

Are you new to the world of credit cards? Do you finally have your hands on your first card? Are you concerned that you could make a mistake (or several mistakes) that will affect your finances? There’s no denying the fact that using a credit card is a big deal. While it can benefit your finances in a number of ways, a simple mistake can cause trouble both now and in the future. Here are five tips that will help
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Travel Rewards Credit Cards: Frequently Asked Questions (FAQs)

June 5, 2021

Are you considering applying for a travel rewards credit card? Are you ready to make your move, but a bit concerned about heading down the right path? Do you have questions about all things related to travel rewards credit cards? These credit card offers are among the most popular, as they allow you to earn points that you can later redeem for travel. This includes everything from airline tickets and hotel stays to rental cars. Here are some of the
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Top Reasons to Use Your Credit Card to Pay for Your Vacation

May 7, 2021

Are you planning a vacation? Are you wondering how to best pay for it? If you’ve yet to strongly consider the benefits of paying with a credit card, now’s the time to do so. You may find that it’s the best way to not only book your vacation, but to also pay for expenses while you’re away from home. With all that in mind, let’s examine five top reasons to use your credit card to pay for your vacation: 1.
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Credit Card Benefits to Look Out For

January 17, 2021

With a greater choice of credit cards available than ever before, it can be difficult to determine which one is best for you. Some credit cards are best suited to managing existing debts more effectively, while others are ideal for everyday purchases. The options which you have available to you will depend largely on your credit score. If you have managed to pay off your debts on time in the past, then you should have a better credit score than
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When is a Credit Card Annual Fee Worth It?

January 10, 2021

Are you on the search for a new credit card? Are you wondering if it’s a good idea to pay an annual fee? In an overall sense, only you know if you’re comfortable paying an annual fee. You have to ultimately make this decision on your own. However, before you decide for or against this, it never hurts to take a closer look at the finer details. Before we go any further, let’s make sure you’re familiar with what an
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Potential Credit Card Mishaps in the New Year

December 31, 2020

With the new year here, there’s no better time than now to take full control of your finances. And for many people, that means staying as far away from potential credit card mishaps as possible. The last thing you want to do is make a mistake that will cost you time and/or money. Should this happen, your financial situation can take a hit, which results in more complications in the future. On the plus side, when you’re aware of the
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These Credit Card Questions are Common: Have You Answered Them?

October 22, 2020

It doesn’t matter if you’ve been using credit cards for many years or are in the process of applying for your first one, you’re likely to have questions (and maybe even a few concerns). Fortunately, when you address the most common questions as they come at you, it’s much easier to feel confident in how you’re using your card or searching for a new offer. If you don’t know where to start, here are 21 frequently asked credit card questions
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Boost to your FICO® Score – Quickly!

July 13, 2020

You’ve seen the commercials. You’ve read about it online. You may have even heard friends and family talk about it. Experian Boost™ is a relatively new financial product that’s helping millions of consumers in a variety of ways. Here’s the Experian Boost™ tagline: Only Experian can raise your FICO® Score instantly How does that sound to you? Could you benefit from a quick boost to your FICO® Score? Here’s How it Works If all this sounds interesting to you –
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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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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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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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