How to Benefit from Your Excellent FICO Score

August 2, 2019

It takes a lot of work to achieve an excellent (or exceptional) FICO score. While it doesn’t come overnight, it’s well worth it in the long run. According to Experian, a FICO score of 800 or higher is considered excellent.  Only 21 percent of people have an excellent credit score, but those who do are Read more…

Top Credit Card Perks Associated with Excellent Credit

May 7, 2019

According to Experian, an excellent or exceptional credit score falls between 800 and 850. While only 20 percent of consumers have an excellent score, if you’re lucky enough to reach this level it will provide you with a variety of financial benefits. This is particularly true when applying for a credit card. There are credit Read more…

5 of the Most Commonly Asked Credit Card Questions

March 26, 2019

Maybe you’re interested in applying for your first credit card. Maybe you’ve been using your credit card for as long as you can remember. Or maybe you’re ready to make a change from your current card. Regardless of your situation, there’s a good chance you have a few questions on your mind. Here are five Read more…

5 Things You Need to Know About Credit Card Fraud

March 13, 2019

If you have never been the victim of credit card fraud, it’s easy to overlook just how common it is. For example, Experian shares the following statistics: “The number of credit card numbers exposed in 2017 totaled 14.2 million, up 88% over 2016. In addition, nearly 158 million Social Security numbers were exposed in 2017, Read more…

5 Times it Makes Sense to Cancel a Credit Card

December 17, 2018

There may come a point when you feel that you no longer need your credit card. This happens for many reasons. Maybe you have another credit card with more to offer. Or maybe you’re tired of finding yourself in debt. Regardless of the reason, you have the right to cancel your credit card. However, if Read more…

4 Ways to Improve Your Credit Score in 2019

December 10, 2018

When was the last time you checked your credit score? Were you happy with what you saw? Do you need to take immediate action with the idea of boosting your score as soon as possible? With 2018 coming to an end, it’s time to turn your attention to the new year. This means many things Read more…

Top 5 Questions Associated with a Balance Transfer Credit Card

November 26, 2018

Do you have multiple credit cards with a balance? Are you finding it difficult to organize your debt and make regular monthly payments? If you answered yes to these questions, it may be time to consider a balance transfer credit card. The primary purpose of a balance transfer credit card is to consolidate multiple credit Read more…

5 Things to Check On Before Applying for a Credit Card

November 19, 2018

Are you in the process of searching for the perfect credit card? Are you closing in on a decision, but concerned about making the wrong selection? Despite your concerns, there are steps you can take to make the right choice at the right time. Most importantly, check on these five details of any offer you’re Read more…

7 Things That Can Harm Your Good Credit Score

November 12, 2018

It takes quite a bit of time and effort, combined with sound financial decisions, to achieve a good or excellent credit score. Not only is this something to be proud of right now, but a good score is also something you want to hold onto for the rest of your life. Unfortunately, if you’re not Read more…

Do You Know Why Your Credit Card Application was Denied?

October 15, 2018

Do You Know Why Your Credit Card Application was Denied? When you apply for a credit card, you hope to receive an immediate approval. If this happens, you know it won’t be long before you can start using your credit card. Unfortunately, there is no guarantee of an approval. If your application is denied, it’s Read more…

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 Read more…

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 Read more…

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. Read more…

Why Your Credit Application Was Declined and What You Can Do

August 20, 2018

Credit Application Was Declined and What You Can Do It doesn’t matter if you’re applying for a credit card or some type of loan (such as for a car or home), you hope to receive an immediate approval that allows you to move forward with your plans. Unfortunately, this doesn’t always happen. It’s possible your Read more…

Not Paying Late is the Best Way to Keep Your Good Credit

August 13, 2018

Not Paying Late is the Best Way to Keep Your Good Credit. Making a late payment on a loan or credit card can (and probably will) harm your credit score. It doesn’t matter if you’re five days late or 100 days late, neglecting to pay your bills on time will impact your finances in many ways. Read more…

Why People With Bad Credit Pay Higher Interest Rates

July 29, 2018

Why People With Bad Credit Pay Higher Interest Rates Do you have bad credit? Are you concerned about the impact on your finances? Are you worried that it will cost you money both now and over the long run? According to Experian, bad or very poor credit is defined as a score between 300 and Read more…

Best Practices For Paying Your Credit Card Bill On Time

July 20, 2018

Best Practices For Paying Your Credit Card Bill On Time With credit card debt at a record high, there’s no better time than now to review your finances with an eye toward avoiding trouble. Like millions of others, you use a credit card to make a variety of purchases. And like millions of others, you Read more…

How to Avoid Paying Credit Card Late Fees

July 13, 2018

How to Avoid Paying Credit Card Late Fees Upon signing up for a credit card you are provided a list of fees, all of which have the potential to come into play at some point in the future. While you have the opportunity to avoid late fees, this is often easier said than done. A Read more…

Why Some Credit Card Issuers Might Require a Deposit

July 6, 2018

Why Some Credit Card Issuers Might Require a Deposit Depending on your credit score and history, you may find that many (or all) credit card companies are requiring you to make a deposit. A secured credit card is one of the better ways for someone with no credit or bad credit to improve their score, Read more…

Top Reasons for a Credit Card Denial

May 11, 2018

Top Reasons for a Credit Card Denial Are you in the process of searching for the perfect credit card? Do you have some concerns about the application process? Are you worried that you will receive a credit card denial? There is no way of knowing for sure if you will be approved for a credit Read more…