Should You Apply for a Credit Card Fresh Out of College?

May 12, 2021

The question of whether or not you should apply for a credit card fresh out of college is a difficult one to answer. There are pros and cons of both paths, which makes it even more difficult to decide what to do next. Before we go any further, here’s one thing to remember: you don’t want to make a rash decision to apply for a credit card. It’s better to be 100 percent sure before taking action. Here are five
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Choosing a Credit Card That Works for You

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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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
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Should College Students Carry Credit Cards?

July 15, 2020

Are you a college student? How about a parent of a college student? If you answered yes to either question, you may be wondering if carrying a credit card while in school is a good idea. Unfortunately, there’s no simple answer to this question. Some students benefit from a credit card, while others soon regret going down this path. Overall, there’s one word that should come to mind when answering this question: responsibility. Are you responsible enough to carry a
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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:
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What is the Best Credit Card for You?

January 5, 2020

It’s a question you may ask yourself time and time again: what is the best credit card for you? You assume there’s a simple answer, until you realize that there are hundreds upon hundreds of offers to choose from. Furthermore, since no two consumers are identical, what’s best for you may not be best for the next person. So, deciding which is the best credit card to apply for is a personal decision. You need to answer questions such as:
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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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Got Excellent Credit? You Can Still Benefit from a Balance Transfer Credit Card

October 18, 2019

There is no better feeling than looking at your credit score and realizing that it falls into the excellent range. It takes a lot of hard work to achieve an excellent credit score, so you should be proud of yourself. However, there’s something to remember: just because you have excellent credit doesn’t necessarily mean you have no debt.  Depending on the type of debt you’re carrying, you may find that consolidation is in your best interest. For example, a balance
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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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Do You Have Good Credit? Questions to Help You Choose the Right Card

May 10, 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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5 Things to Consider When Comparing Cash Back Credit Cards

February 13, 2019

There are many benefits of a cash back credit card, including the fact that you’ll receive “real money” – not points – in exchange for the money you spend. With the ability to earn anywhere from one to five percent on purchases, it won’t be long before you realize just how quickly the money can add up. With so many cash back credit cards to choose from, making a final decision isn’t always easy. Here are five things to consider
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How to Prepare Yourself to Apply for a Credit Card

January 14, 2019

You’ve been doing a lot of thinking, and you realize there’s no better time than now to apply for a credit card. While this is a big decision, once you know it’s right for you it’s time to take action. This means something different to everyone, but there are basic steps you can take to prepare yourself. Here are four things you should do: 1. Check Your Credit Score This will give you a better idea of the type of
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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
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5 of the Most Common Types of Credit Cards

October 1, 2018

5 of the Most Common Types of Credit Cards When searching for a credit card the last thing you want to do is assume that every offer is the same. There are many types of credit cards, all of which provide a variety of features and benefits. As a consumer, it’s your job to compare each type of credit card with the idea of choosing the one that’s best for you. Here are five of the most common types of
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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
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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. Apply Now Reasons to Apply The Indigo® Platinum
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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
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How to Apply for a Credit Card When You Have Fair Credit

March 6, 2018

What do you see when you look at your credit score? Are you happy with the number staring you in the face? Do you realize it’s not the worst, but that there is room for improvement? Do you have poor, good or fair credit? Applying for a credit card with “very good” or “exceptional” credit is easy. With such a high credit score, you don’t typically have to concern yourself with being turned away. However, if you have fair credit,
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Secured Credit Card – What are the Benefits?

January 9, 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? 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
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Types of Credit Cards

June 13, 2017

Amid stiff competitions, credit card providers are coming up with different types of credit cards targeting different categories of people with different features and offering target specific benefits. Besides the standard credit cards for general public, there are student credit cards, business credit cards, store credit cards, airline credit cards, gas credit cards, teen credit cards, etc. These cards are specially meant for the targeted group of people. Standard credit cards Almost all the credit card providers offer standard credit
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