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,
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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
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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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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.
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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
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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
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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
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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
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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
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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
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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
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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
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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
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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
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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,
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The Importance of Checking Your Credit Score

August 9, 2020

When was the last time you checked your credit score? Can you remember, or was it so long ago that it has slipped your mind? While there’s no good reason to check your credit score every day of the week, you should get into the habit of doing so regularly. Generally, twice a year is more than enough to stay informed. Here are some of the many times you should check your credit score (even if you’re not scheduled to
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Boost to your FICO® Score – Quickly!

July 13, 2020

You’ve seen the commercials. You’ve read about it online. You may have even heard friends and family talk about it. Experian Boost™ is a relatively new financial product that’s helping millions of consumers in a variety of ways. Here’s the Experian Boost™ tagline: Only Experian can raise your FICO® Score instantly How does that sound to you? Could you benefit from a quick boost to your FICO® Score? Here’s How it Works If all this sounds interesting to you –
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Can You Get a Credit Card with No Credit?

March 30, 2020

If you have a long credit history and excellent credit score, it’s typically easy to secure a credit card.  But what if you’re fresh out of college? What if your credit history is limited? Can you still obtain a credit card? A history of no credit could pose a challenge. There’s no two ways about it: getting a credit card with no credit can be a challenge. However, with the right approach, you can kickstart the process and find yourself
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Do You Have an Emergency Credit Card?

March 15, 2020

You never know when you’ll come face-to-face with an emergency. Should that happen, it has the potential to turn your finances upside down. Fortunately, if you prepare in advance, you’re in better position to deal with anything that comes your way. And that’s why you should consider carrying an emergency credit card. As the name suggests, this is a credit card that you keep nearby for emergencies only. You don’t pull it out to buy your morning coffee or upgrade
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Could You Benefit from a Balance Transfer Credit Card?

December 5, 2019

You’ve finally come to the conclusion that you have entirely too much credit card debt. And while you understand the need to take action, you’re unsure of where to start. Time to learn about the benefits of balance transfer. If your debt is spread across several credit cards, it may make sense to consolidate it. One of the best ways of doing so is with a balance transfer credit card.  While the basic gist is simple to understand, it’s the
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