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…

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…

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 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…

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…

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…

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…