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Understanding How Credit Card Interest Works

November 5, 2023

Credit card interest can have a significant impact on your finances, and understanding how it works is crucial in managing your credit card debt efficiently. Credit card companies make money through both the fees they charge merchants and the interest and fees they charge cardholders. Knowing how credit card interest works and how to minimize it can save you a considerable amount of money. What is Credit Card Interest? Interest is the fee credit card companies charge for borrowing money,
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Credit Card Security: Tips for Protecting Yourself from Fraud and Identity Theft

April 5, 2023

Credit cards are a convenient and widely used form of payment, but they also make us vulnerable to fraud and identity theft. From skimming devices to phishing scams, there are many ways that criminals can steal our credit card information and use it for malicious purposes. However, there are steps you can take to protect yourself and reduce the risk of becoming a victim. In this article, we explore the different types of credit card fraud and identity theft, as
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What to Do After Your Credit Card Application Is Denied

March 15, 2023

Getting denied for a credit card can be a frustrating experience, especially if you were counting on that card for a specific purchase or to help build your credit score. However, it’s important to remember that being denied doesn’t mean you’re out of options. Here are seven steps you can take after your credit card application is denied: Find out why you were denied The first step is to figure out why your application was denied. Most credit card companies
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Credit Card Myths Debunked: Separating Fact from Fiction

February 15, 2023

When it comes to credit cards, the last thing you want to do is mistake a myth for a fact. Doing so can hinder your ability to responsibly use a credit card. Here are five common credit card myths that you should be aware of: Myth #1: You need to carry a balance on your credit card to build credit Many people believe that they need to carry a balance on their credit card to build credit. However, this is
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Reasons to Use a Credit Card in 2023 (and Beyond)

December 15, 2022

The beginning of a new year is one of the best times to review your finances. This includes deciding for or against using a credit card. Let’s get the biggest downside out of the way: the potential to overspend and find yourself racking up debt that you can’t manage. There’s no way around this. If you don’t feel that you can spend responsibly, do yourself a favor and stay away from credit cards for the time being. Now, here are
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Credit Card Spending: Have You Answered These Questions?

November 15, 2022

A credit card is one of the most commonly used financial tools. There are many benefits, ranging from convenience to the ability to earn reward points. Conversely, there are some risks, such as overspending or using your credit card on items that you don’t really need. If you have any concerns about your credit card spending, now’s the time to take action. Waiting and hoping for the best is a risk you don’t want to take. It puts your entire
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Call Your Credit Card Company to Ask These Questions

September 10, 2022

Maybe you’re satisfied with your credit card company. Maybe you feel like it’s time to make a change. Or perhaps you simply want to learn more about your card and what it has to offer. No matter your situation, it makes good sense to get on the phone with a representative to clear the air. Here are some of the most common questions to ask your credit card company: 1. Do I qualify for a higher credit limit? This may
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Credit Card Grace Period: Everything You Need to Know

May 25, 2022

There are many terms associated with credit cards that you need to understand. And that’s especially true among those that could cost you money at some point. Understanding the ins and outs of a grace period could work in your favor if you lose track of your balance and/or when your next payment is due. Note: if you want to learn more about a grace period as it applies to your account, it’s best to contact your credit card company
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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
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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.
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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
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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
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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
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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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