Maintain an Excellent Credit Score Before Applying for a Credit Card

April 30, 2019

Do you have an excellent credit score? Are you aware of how much good this will do you when applying for a credit card? With excellent credit, you’ll qualify for almost every credit card offer imaginable. This allows you to more easily find an offer that suits your many requirements. However, there’s something to remember: it only takes one financial mistake to harm your credit score, thus making it more difficult to secure one of the best cards on the market. According to Experian, 20 percent of Americans have an exceptional (excellent) credit score. This is defined as a score
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5 Tips for Choosing and Using a Cash Back Credit Card

April 22, 2019

A cash back credit card is exactly what it sounds like. With this, you earn cash back for every dollar you spend, thus giving you something of value in return for using the card. With the popularity of cash back credit cards on the rise, there’s no shortage of options. While this allows you to find the card that’s perfect for you and your financial habits, it also makes it more difficult to consider each and every offer. Here are five tips you can use to choose the perfect cash back credit card: Read the Terms and Conditions As with
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Quick Tip: Applying for Credit Card

Applying for a credit card is generally a decision based on your personal finances. For instance, a credit card is one of the best tools for building your credit history after graduating from college. That’s a good reason to apply. Conversely, if you’re searching for a credit card to make a purchase, you'll need to consider other factors like if intend to carry a balance.

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Excellent Credit Gives You Access to the Best Credit Card Offers

April 15, 2019

It takes a lot of time and dedication to achieve an excellent credit score. Once you reach this goal, it’s time to put all your hard work into action. With excellent credit – defined by Experian as a score from 800 to 850 – you gain access to the best credit card offers. Furthermore, you can secure the lowest interest rates, top of the line perks, and killer rewards. What to do Next It’s important to use your excellent credit to your advantage. To start, you should only carry a credit card that rewards you in some way. Maybe you
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The Best Excellent Credit Credit Cards Have These Features

April 2, 2019

Do you have excellent credit? Are you interested in applying for a credit card? Do you know what to look for? Learn how to apply for the best excellent credit credit cards. When it comes to applying for a credit card, excellent credit gives you access to almost every offer imaginable. Not only does this provide you with more options, but it increases the odds of securing a credit card that suits your every want and need. While every excellent credit credit card has something unique to offer, some are better than others. It’s imperative to know which features are
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Quick Tip: Check Your Credit Score

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. Check out is this great article on the topic.

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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. The Trouble With Late Payments Credit card companies and lenders look at many things when deciding whether or not to issue credit, with your payment history one of the most important details. If you have a long history of on-time payments, it shows that you’re
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