Credit Tools Archives

Decoding Credit Card Interest: Essential Insights for Informed Borrowing

May 22, 2024

Credit cards have become an integral part of modern-day financial transactions. They offer convenience and flexibility, allowing individuals to make purchases and access funds easily. However, it is essential to understand the concept of credit card interest in order to make informed financial decisions. In this article, we will delve into the intricacies of credit card interest, decoding its various components, and providing insights that will empower borrowers to manage their credit effectively. Understanding Credit Card Interest: A Key to
Continue Reading »

How Long Does it Take to Get a Credit Card?

February 10, 2024

Credit cards have become an integral part of our financial lives, offering convenience and flexibility in making purchases and managing expenses. If you’re considering getting a credit card, you might be wondering how long the process will take. The timeframe for obtaining a credit card can vary depending on several factors, such as your credit history, the type of credit card you’re applying for, and the issuer’s approval process. In this article, we will explore the factors that affect the
Continue Reading »

Can You Pay a Credit Card With a Credit Card?

December 5, 2023

Credit cards have become an integral part of our financial lives, offering convenience and flexibility in making payments. However, there may be times when you find yourself short on funds to clear your credit card bill. In such situations, you might wonder if it’s possible to pay off your credit card debt using another credit card. Let’s delve into the feasibility and potential implications of this practice. The Possibility of Paying a Credit Card with Another Credit Card It may
Continue Reading »

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
Continue Reading »

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 »

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 »

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 »

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 »

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 »

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
Continue Reading »

5 Things You can do Today to Boost Your FICO Score

March 25, 2020

What do you see when you look at your FICO score? A score that is just about as good as it can get? One that can stand some improving? FICO scores range from 300 to 850, with the majority of scores falling between 600 and 750. If this sounds familiar, you may be looking into the things you can do to boost your score. While nothing comes fast or easy in regards to your credit score, there are small changes
Continue Reading »

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
Continue Reading »

Credit Card Questions to Answer in 2020

November 15, 2019

As 2019 comes to a close and 2020 arrives, there are a variety of finance related questions that deserve your attention. Even if you have positive vibes about the credit card you’re currently carrying, there are a few questions you can address to ensure that you’ll remain in a good spot for the months to come. Here are five credit card related questions to answer in 2020: 1. Is there anything your current credit card doesn’t offer that you want?
Continue Reading »

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 in position to take advantage of many benefits. Here are five ways to benefit from an excellent FICO score in the future: 1. Get a
Continue Reading »

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 of the most common: Which credit card is right for me? This is a common question asked by consumers who don’t have any experience with
Continue Reading »

How to Prepare Yourself to Apply for a Credit Card

January 14, 2019

You’ve been doing a lot of thinking, and you realize there’s no better time than now to apply for a credit card. While this is a big decision, once you know it’s right for you it’s time to take action. This means something different to everyone, but there are basic steps you can take to prepare yourself. Here are four things you should do: 1. Check Your Credit Score This will give you a better idea of the type of
Continue Reading »

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 you’re not careful with your approach, you could damage your credit score by doing so. Here are five times it makes sense to cancel your
Continue Reading »

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 card balances, all with the goal of saving money on interest and better organizing your finances. Here are five questions to answer before applying for
Continue Reading »

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 credit application could be denied, thus causing you to change your course and learn more about what went wrong. As disappointing as a denial may
Continue Reading »

Why People With Bad Credit Pay Higher Interest Rates

July 29, 2018

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 579. While you may feel alone with a credit score in this range, Experian also notes that approximately 16 percent of people are in the same position. One of the primary downfalls of bad
Continue Reading »

Category: Credit Tools

Cards by Credit

Card Categories

Personal Loans

Resources

Company