Sponsored Links
Things You Can Negotiate With Your Credit Card Company

April 11, 2022

Many people overlook the fact that they can negotiate with their credit card companies. It’s not something that you’ll do regularly, but there are unique situations when it makes sense to take action. Here are just a few of the many things that you can negotiate: 1. Fees There are many types of fees associated with using a credit card. For example, your card may have an annual fee. If you’re unsure that you want to pay this fee the
Continue Reading »

5 Simple Reasons to Create and Follow a Monthly Budget

March 10, 2022

There will always be people who don’t understand the benefits of creating and following a monthly budget. Even if this has been you in the past, you don’t have to continue down this road in the future. You can make a change for the better at any time. If you’re wondering why it makes sense to change your approach, here are five simple reasons: 1. Financial clarity There’s never a good time for confusion in regards to your financial circumstances.
Continue Reading »

blank
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
Continue Reading »

blank
Can I Get a Credit Card With Bad Credit?

December 5, 2021

If you have bad credit, it’s easy to assume that you’re disqualified from obtaining a credit card or loan. While it’s sure to be more difficult, there are steps you can take to improve the odds of securing the financial product you’re most interested in. So, can I get a credit card with bad credit? The simple answer is yes. Even if your credit score is less than desirable, there are steps you can take to obtain a credit card
Continue Reading »

blank
Top Reasons to Get a Credit Card

November 30, 2021

Are you thinking about applying for a credit card? Are you wondering if it’s a good idea? Do you have questions about how you’ll use it?  It’s natural to have questions and concerns when considering applying for a credit card. This is a big decision in your financial life. Fortunately, once you understand some of the top reasons to go down this path, it becomes easier to do so with confidence. Here are five top reasons to get a credit
Continue Reading »

blank
What To Do If You Can’t Make Your Minimum Monthly Credit Card Payment?

June 30, 2021

When you receive your credit card statement in the mail or in your inbox, there are a few details that will immediately catch your attention. For some people, their eyes immediately search for the minimum monthly payment. As the name suggests, this is the minimum payment you must make to keep your account current. Even though the minimum monthly payment is less than your total balance, it doesn’t mean that you’ll have enough funds to comfortably pay it. In fact,
Continue Reading »

blank
What is the Best Credit Card?

May 28, 2021

What does the word best mean to you? How do you define this as it pertains to your credit card? What is the best credit card? It doesn’t matter if you’re searching for your first credit card or looking to add another one to your wallet or purse, it’s critical that you know what you want and how to get it. Here are five questions you can answer to help you move closer to finding the best card for your
Continue Reading »

blank
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
Continue Reading »

blank
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.
Continue Reading »

blank
What to do if Your Credit Card is Stolen

April 22, 2021

You do your best to keep your credit card information safe. Even so, there could come a point when something goes wrong. Maybe you leave your credit card on the counter after making a purchase. Perhaps you make an online purchase from a public computer. Or it’s even possible that you could lend your credit card to someone you thought you could trust. Regardless of the details surrounding how your credit card was stolen, it’s critical that you take immediate
Continue Reading »

blank
What to do if You Don’t Qualify for a Credit Card

March 15, 2021

There’s no worse feeling than applying for a credit card, just to receive a denial. When this happens, it’s easy to feel stuck. It’s easy to feel like there’s no way out. As frustrated as you may be, it’s no time to get down on yourself. Instead, it’s time to realize that you have options and to take the steps necessary to get what you want. Here are some of the basic steps you can take: 1. Find Out Why
Continue Reading »

blank
How to Avoid Running Up Credit Card Debt

February 22, 2021

It’s one thing to add a credit card to your wallet or purse. It’s another thing entirely to use your credit card in a responsible manner. There’s no denying the fact that a credit card is a useful financial tool that can bring many benefits to your life. Conversely, if you don’t watch what you’re doing, you could soon find yourself swimming in credit card debt and wondering what went wrong. So, with all this in mind, you should have
Continue Reading »

blank
Are You Stuck in a Minimum Payment Trap?

February 10, 2021

When using a credit card, it’s important that you never lose track of one important detail: the fact that a payment will come due sooner rather than later. When your statement arrives, you’ll see two things: Total balance Minimum payment If the total balance blows you away, it’s easy to turn your attention to the minimum payment. After all, this number is sure to be much smaller and easier to digest. The problem with this is simple: if you fall
Continue Reading »

blank
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
Continue Reading »

blank
How to Manage Joint Credit Card Debt in Divorce

November 24, 2020

There’s a lot to think about as you prepare for the divorce process, with many concerns turning toward your current and future financial circumstances. It doesn’t hold true for everyone, but many divorcing couples find that they have joint credit card debt to manage. There’s no one size fits all approach, but there are several strategies to consider. Here’s where you should start: 1. Pay it Off Together If you’re able to talk through your debt, you may realize that
Continue Reading »

blank
What to do if You Max Out Your Credit Card

November 5, 2020

When you apply for a credit card, you do so with the idea that you’ll manage it in a responsible manner. But them something happens: you quickly find your balance growing out of control. Before you know what hit you, your credit card is maxed out and you’re in a deep hole. Should you find yourself in this position, there are three things you need to do: 1. Don’t Panic There’s nothing worse than learning that your credit card is
Continue Reading »

blank
Credit Sesame – Free Credit Score

September 25, 2020

Let’s face it: there are many aspects of your finances that are critical to your current life, as well as the future. And that definitely holds true of your credit score. If you don’t know your credit score and/or can’t remember the last time you checked it, now’s the time to take action. There are many ways to obtain your credit score for free, with the Credit Sesame free credit score service at the top of the list. Before we
Continue Reading »

blank
How to Best Manage Credit Card Debt

September 18, 2020

In a perfect world, you’d never find yourself carrying credit card debt. Instead, you’d pay your balance in full each month and start fresh. Even if this is your goal – even if it’s something you’ve been able to do in the past – you never know what the future will bring. If you’re facing credit card debt, it’s important that you take the right steps at the right time. Doing so will put you on the right track to
Continue Reading »

blank
Can You Get a Credit Card with Bad Credit?

September 5, 2020

Bad credit will impact your finances in a variety of ways. For example, you may assume this will make it impossible to secure a credit card. While it may throw a wrench into your plans, it’s not the end of the world. You have options available. In short, you can get a credit card with bad credit. It may not be easy, but with the right approach you’ll find yourself inching closer to your goal. Here are three things to
Continue Reading »

blank
Credit Report Red Flags: Look for the Following

August 15, 2020

There is nothing better than reviewing your credit report and liking everything you see. This is sure to put your mind at ease from a financial perspective. But what happens if something doesn’t look quite right? Should you take action or wait to see what happens? As a general rule of thumb, if something looks out of place on your credit report there’s a good chance it is. And for that reason, you should contact the appropriate credit bureau (Equifax,
Continue Reading »

blank