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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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 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 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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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 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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June 25, 2019
It’s no easy task to build an excellent credit score. It takes many years of using your credit, paying your bills on time, and avoiding costly mistakes. Once you reach this level, don’t just sit back and enjoy the fact that you’re on top. Instead, search for ways to use your excellent credit score to improve your finances and save money. Here are five top benefits of an excellent credit score: 1. Search for the Best Available Credit Card Offer
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June 18, 2019
As a business owner, one of your biggest responsibilities is managing the financial well-being of your organization. While there are many decisions to make, here’s a question you should address the first chance you get: does it make sense to apply for and use a business rewards credit card? Before we go any further, it’s important to note that business owners with very good or excellent credit are most likely to receive an approval for this type of offer. Here
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June 11, 2019
Regardless of your credit history and score, the internet has made it simple to find and compare offers. However, you’re in much better position if you have excellent credit. Not only does this give you the confidence to find the right offer, but it also ensures that almost every issuer is willing to approve your application. According to Experian, a score of 800 or higher lands you in the “excellent category.” This will aid your online credit card search in
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May 28, 2019
If you have poor (under 580) or fair (580 to 669) credit, you typically have to take what you can get when applying for a credit card. In fact, you may even have to rely on a secured credit card (requires a cash deposit as collateral) until your score is high enough to obtain an unsecured credit card. Conversely, if you have good or excellent credit, there are many more offers to consider. Knowing what to look for will go
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May 20, 2019
There are many benefits of excellent credit, including the power you gain when negotiating with your credit card company (and other creditors). Since you have an excellent credit score, your credit card company doesn’t want to lose your business. In fact, they want to keep you happy for as long as possible. With this in mind, you have the upper hand when negotiating with your credit card company. Here are some of the points to negotiate on in the near
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May 18, 2019
According to Experian, an excellent or exceptional credit score falls between 800 and 850. While only 20 percent of consumers have an excellent score, if you’re lucky enough to reach this level it will provide you with a variety of financial benefits. This is particularly true when applying for a credit card. There are credit card offers designed for every type of consumer, regardless of credit score. For example, if you have poor credit, you can use a secured credit
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May 7, 2019
According to Experian, an excellent or exceptional credit score falls between 800 and 850. While only 20 percent of consumers have an excellent score, if you’re lucky enough to reach this level it will provide you with a variety of financial benefits. This is particularly true when applying for a credit card. There are credit card offers designed for every type of consumer, regardless of credit score. For example, if you have poor credit, you can use a secured credit
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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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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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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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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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