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 late fee is exactly what it sounds like: a fee your credit card company charges if you don’t make the minimum payment by the due
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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, all with the idea of eventually moving onto an unsecured offer in the future. What is a Secured Credit Card? Simply put, a secured credit
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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 card, but you can improve your odds by understanding the eligibility requirements before applying. For example, if you have average or poor credit, don’t apply
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February 28, 2018
When applying for a credit card, it can be both exciting and stressful as you wait to learn your credit limit. Some issuers provide this information the instant you’re approved, while others opt to share your limit in the letter that includes your actual credit card. There are two primary reasons why your credit limit is so important: Your limit impacts your buying power Your limit impacts your credit score, as 30 percent of your score is the ratio of
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February 21, 2018
Are you ready to apply for a credit card? Do you know what it takes to narrow down your options, all with the idea of finding the perfect piece of plastic? In today’s day and age, it’s easier than ever to apply for a credit card. You can search through offers online, learn more about the features of each one, and apply within a matter of minutes. While this level of convenience is sure to put a smile on your
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February 7, 2018
Do you have bad credit? Are you interested in applying for a credit card? Are you concerned that you won’t qualify for an offer that suits your financial needs? It’s simple to apply for a credit card when you have good credit. The only thing you have to worry about is choosing the right offer. Conversely, when you have bad credit, you’re faced with the challenge of finding an offer designed for consumers in your position. What is a Good/Bad
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June 13, 2017
Credit cards are nothing new to American consumers. Everywhere you look, Americans are constantly being asked to apply for a new credit card. Now, you probably know what the selling point is with most cars, the interest rate. This is because the interest rate or APR on your credit card delegates how much money you will have to pay back over the life of the loan. A lower interest rate means that you are going to pay less back! Due
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In the economic environment of today, although you may not need to use it, having good credit is vital to survival. It positions you as a fiscally responsible person and can help ensure that: You get better rates on your mortgage; You get better rates on your car loan; Your security deposit, if your utility company requires it at all, is as low as possible; Your potential landlord favors you over someone with a bad credit rating; and Your
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