February 15, 2023
When it comes to credit cards, the last thing you want to do is mistake a myth for a fact. Doing so can hinder your ability to responsibly use a credit card. Here are five common credit card myths that you should be aware of: Myth #1: You need to carry a balance on your credit card to build credit Many people believe that they need to carry a balance on their credit card to build credit. However, this is
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January 9, 2022
There’s a lot that goes into comparing credit card offers. You know the right one is out there, but that doesn’t mean you’ll find it immediately. It could take you several days or longer of searching to find exactly what you’re looking for. And there’s nothing wrong with that. You’re making a big financial decision so you don’t want to get ahead of yourself. While patience can go a long way in helping you avoid mistakes, knowledge of what you’re
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August 8, 2021
Searching for a credit card is easier than ever before, as you can turn to the internet to conduct the entire process from start to finish. While every step is important, it’s the research stage that can make or break your decision. The question of how to best research credit cards online has no defined answer. However, there are some basic steps you can take to ensure yourself of learning as much as possible in a reasonable period of time.
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June 15, 2021
Buying a home is one of the biggest decisions you’ll ever make. For that reason, it’s critical that you choose the right mortgage lender. Making a mistake with this detail could have long lasting repercussions that bring both personal and financial stress into your life. While there’s no right or wrong way to compare mortgage lenders, there are some basic steps anyone can take to ensure that they make the right decision at the right time. Here’s what you need
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January 18, 2021
Once upon a time, it was relatively easy to choose a credit card. There were basically three choices: Visa, American Express, or MasterCard. There now exists a plethora of options, turning a once simple decision into an incredibly difficult one. For example, you have to consider a number of potential features: lower interest rate, no-fee, travel rewards, cash-back, or even regular rewards points. The decision can be mind-boggling. Become familiar with associated fees First you need to determine if you are
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July 30, 2020
It’s something you may think about from time to time. You understand the benefits of negotiating with your credit card company, but wonder if they’d be receptive to your approach. While there is no guarantee of success, there’s nothing stopping you from negotiating with your credit card company. You’re free to reach out, discuss your concerns, and attempt to secure a better deal. Tip: when doing this, make sure you get the right person on the phone. There’s a good
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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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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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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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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 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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June 4, 2019
In today’s world, you have access to more credit card offers than ever before. While this improves the likelihood of applying for the perfect card, it also complicates the search process. View Cards Fortunately, you’re not alone. CreditSoup is designed to help you find, compare, and apply – all without the hassles typically associated with doing so. Since 2000, CreditSoup has helped more than 500,000 people with their credit. When you combine its history with a powerful website full of
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February 6, 2019
With the average American carrying a credit card balance of roughly $6,300, it’s easy to see why so many people shy away from this form of spending. If you have concerns about your ability to control your credit card spending, it goes without saying that you should opt for other forms of payment. However, if you understand the responsibility and potential risks of carrying a credit card, you may come to find that this benefits you in a number of
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November 5, 2018
With hundreds upon hundreds of credit card offers to choose from, you should be able to find one that suits your financial situation and goals. Conversely, with so many to consider, it can take a good amount of time to learn what each one has to offer. The best way to successfully compare credit cards is to answer these five questions for each offer you’re considering: 1. What makes it stand out from the crowd? Even when two credit card
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October 7, 2018
Apply for a Credit Card with an Approval in Mind You don’t apply for a credit card with the idea that your application will be denied. Instead, you hope for an immediate approval, so you can begin using the credit card in the near future. While you can only do so much to improve the likelihood of an approval, there are some tips you should definitely follow: 1. Check Your Credit Report and Score Applying for “just any” credit card
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September 17, 2018
7 Things To Think About Before Applying For Your First Credit Card There are many benefits of carrying a credit card. From building a strong credit history to collecting points for every purchase you make, now may be the time to begin your search. Here are some tips for applying for your first credit card. As excited as you may be, there are seven things you need to know before applying for your first credit card: No Two Credit Cards
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September 3, 2018
4 Ways to Get a Higher Limit on Your Credit Card There may come a time when you realize that your current credit card limit is not high enough. Here are some tips to get a higher limit. Getting a higher credit limit sounds like a great idea, but it’s important to understand the risks. If you pay your bill in full every month, increasing your credit limit can provide you with additional spending flexibility. Furthermore, with a higher limit
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August 6, 2018
Do you have less than perfect credit? Are you hoping to secure a credit card, despite your past financial struggles? Try the FIT® Platinum Mastercard® . While anyone can apply for the FIT® Platinum Mastercard® – even consumers with good or excellent credit – it’s best for the following groups of people: Those with fair or poor credit Those with limited credit history Those with no credit history With the help of the FIT® Platinum Mastercard®, as long as you
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