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Yes, You Can Negotiate With Your Credit Card Company

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 chance the first person you speak with won’t have the power to help you out. You’ll need to connect with
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Secured vs. Unsecured Credit Cards

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 up to your credit limit. But with a secured credit card, there’s one major difference: a deposit is required to
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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 with more features and benefits You’re looking to get something in return (or something more) for the money you spend
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What to Look for in a Credit Card in 2020

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: Are you comfortable using your credit card for most purchases? How do you feel about the safety features and security
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Top Reasons to Use a Credit Card

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 following: 1. To Build Your Credit History and Score Have you come to realize that your credit history is non-existent?
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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 you can do about my annual fee? If your annual fee is coming due in the first three months of
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Unique Questions to Ask a Credit Card Issuer Before Accepting an Offer

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 major credit bureaus? This isn’t something you typically have to worry about, but don’t take it for granted. Asking this
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Questions to Answer Before Changing Credit Cards

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 a reason, but there’s a good chance you have one. Maybe you’re searching for a credit card with a lower
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CreditSoup Credit Cards

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 offers and professional advice, you’ll never second-guess your approach. Several Ways to Search Credit Cards You don’t have to jump
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5 Reasons You Should Carry a Credit Card

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 ways. Here are five reasons why you should consider carrying a credit card: 1. Convenience Are you often annoyed at
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Comparing Credit Cards? 5 Questions to Answer

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 offers appear to be the same, nothing could be further from the truth. Dig around to find out what makes
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Apply for a Credit Card with an Approval in Mind

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 is easy enough, but taking this approach could lead to a denial. Once you review your credit report and score,
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7 Things To Think About Before Applying For Your First Credit Card

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 are the Same It’s easy to assume that every credit card offer is pretty much the same, but nothing could
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4 Ways to Get a Higher Limit on Your Credit Card

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 you’ll have a lower credit utilization ratio, thus leading to a higher credit score. Conversely, if you have problems keeping
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Credit Spotlight: Fit Mastercard ®

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 Mastercard . While anyone can apply for the Fit 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 Mastercard, as long as you make on-time minimum payments you put yourself in position to build or rebuild your credit. Apply Now Top Features of the Fit Mastercard
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Indigo® Platinum Mastercard® Credit Card Designed for You

June 1, 2018

Indigo® Platinum Mastercard® Credit Card Is it possible that you could get your hands on a platinum credit card with less than perfect credit? While this sounds like a dream, the Indigo® Platinum Mastercard® Credit Card is out to prove you wrong. This offer is designed specifically for people with bad credit or no credit – all the while providing the cardholder with a large number of high level benefits and features. Reasons to Apply The Indigo® Platinum Mastercard® Credit Card isn’t the only offer for consumers with less than perfect credit, but it’s definitely one of the best. All
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The Benefits of Secured Credit Cards

April 3, 2018

Are you finding it difficult to qualify for a traditional credit card? Are you interested in learning more about a secured credit card? Do you have reason to believe that this could improve your financial situation? Secured Credit Card In many ways, a secured credit card is exactly the same as a traditional credit card. However, there is one major difference: with a secured credit card, you are required to make a deposit in order to receive an approval. The deposit is collateral for any purchase you make. So, if you default in the future, the card issuer has the
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Choose the Right Credit Card for Your Credit Score

March 30, 2018

There is a lot to consider when applying for a credit card. In addition to hundreds upon hundreds of offers, your credit score, history, and personal finances will have a big impact on what happens next. Here’s an often overlooked tip: you need to choose a credit card based largely on your credit score. When you know your credit score, there’s less guesswork when selecting an offer and completing an application. Instead, you’ll know exactly where you stand, which makes it easier to focus on the offers that you actually qualify for. Your Credit Score Credit card issuers take into
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Differences between Credit Cards and Prepaid Cards

March 19, 2018

Are you familiar with the differences between a credit card and prepaid card? Are you under the impression that these are pretty much one in the same? Have you come to find that one is better for you than the other? There are many differences between credit cards and prepaid cards, so you’ll want to tread softly as you compare the finer details and learn more about the pros and cons. The last thing you want to do is make a mistake that causes you financial stress. The primary difference between a traditional credit card and a prepaid card is
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Choosing The Right Card With Credit Card Comparison

November 9, 2017

Picking a credit card isn’t any simple errand. Each card organization offers diverse rates and features for new clients. In case you’re contemplating getting another credit card, ensure you know about all the “fine print” and everything that will help you make an educated choice before you sign up with a specific bank or lender. Credit card comparison tools are useful when looking for a credit card since they provide card benefits and terms next to each other enabling you to make side by side comparisons. Your card desires and needs will change from time to time, so ensuring that
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