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Credit Cards

What Is Debt Settlement?
6 hours ago

What Is Debt Settlement?

With the holidays over and the leftovers gone, its time to deal with the outcome of all that shopping and gift giving — the bills. In the midst of the …
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Best Credit Moves to Make in the New Year
2 weeks ago

Best Credit Moves to Make in the New Year

The beginning of the year is the perfect time to take stock of your finances to make sure you are on track for the year, especially after spending so much …
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5 Ways to Help You Get Rid of Credit Card Debt for Good
3 months ago

5 Ways to Help You Get Rid of Credit Card Debt for Good

Credit card debt is something that can sneak up on you and then never go away. You can suddenly find yourself carrying one or more balances and only making minimum …
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Your Cheat Sheet for the Best Credit Cards on the Market
3 months ago

Your Cheat Sheet for the Best Credit Cards on the Market

Shopping around for the right credit card can be a headache. In order to find the right card or cards for you, you’ll need to consider everything from your current …
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3 Things to do Instead of Canceling Your Credit Card
5 months ago

3 Things to do Instead of Canceling Your Credit Card

If you’re struggling to find the self-discipline you need to avoid running up high credit card bills, you may be tempted to call the card issuer and cancel your credit …
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5 Ways to Pay When You Don’t Have an Emergency Fund
6 months ago

5 Ways to Pay When You Don’t Have an Emergency Fund

Emergencies have ways of cropping up when we’re least-equipped to cope with them, and personal crises often come with big price tags. If you don’t have a rainy-day savings …
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Best Credit Repair: Sky Blue Credit Repair vs. Lexington Law
6 months ago

Best Credit Repair: Sky Blue Credit Repair vs. Lexington Law

With so many scam credit repair services out there, it is hard to know which one is the best credit repair company. Will they really repair your credit? Are they …
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What to Look for in a Credit Card if You Have Average Credit
7 months ago

What to Look for in a Credit Card if You Have Average Credit

According to credit reporting bureau Experian, the average credit score in the United States is 687, with the range of possible scores running from 330 to 830. If you …
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How a Credit Card Balance Can Affect Your Credit Score
8 months ago

How a Credit Card Balance Can Affect Your Credit Score

Credit scores are used as an indicator of your financial responsibility, and having a high score can mean being approved to rent an apartment, paying less interest on an auto …
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Best Credit Card for Everyday Expenses
8 months ago

Best Credit Card for Everyday Expenses

Most people think of credit cards as an extra source of income they can use when they don’t have cash in the bank, but in reality, credit cards can be …
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How to Reach Financial Security by 30
9 months ago

How to Reach Financial Security by 30

Are you in your 20s, putting together the foundation of your future and wondering about how to start building financial security? Congratulations: Being young and at the beginning of your …
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4 Things that Impact Your Credit Score the Most
9 months ago

4 Things that Impact Your Credit Score the Most

Most people find it difficult to get a competitive loan for a large purchase, such as a home, new furniture or a car unless they have an excellent credit score. …
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Best Ways to Negotiate a Better Credit Card Interest Rate
9 months ago

Best Ways to Negotiate a Better Credit Card Interest Rate

Lowering your credit card interest rate could save you hundreds or even thousands of dollars. If you owe $15,762, the average amount for a household in the United States, then …
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Are Balance Transfers Worth it?
9 months ago

Are Balance Transfers Worth it?

When you have several credit cards, all with balances due, it can be a struggle to pay everything on time. Even when your continuing balance is fairly low on each …
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Quickest Ways to Fix Your Credit Score
9 months ago

Quickest Ways to Fix Your Credit Score

The majority of people don’t really think about their credit score. That is, they don’t think about it until it is time to buy a house or apply for a …
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Best Credit Cards for Paying Your Taxes
9 months ago

Best Credit Cards for Paying Your Taxes

The tax deadline has been extended this year until April 18, but some people might still have issues paying their taxes on time. Some people don’t know that you can …
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What You Need to do to Build Credit
10 months ago

What You Need to do to Build Credit

Having good credit is important for everything from getting a home or car loan to renting an apartment or paying for cable television services. If you already have good credit, …
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5 Smart Ways to Spend Your Tax Refund
10 months ago

5 Smart Ways to Spend Your Tax Refund

If you’re one of the 80 percent of American workers expecting a refund from their tax return this year, you’re probably already planning how to spend it. While it’s …
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How Credit Scoring Will Change in the Coming Years
11 months ago

How Credit Scoring Will Change in the Coming Years

There’s no doubt that consumers and government officials are more than ready to see changes in how credit scores are determined. In fact, a settlement in 2015 between New York …
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How to Survive Without a Bank Account
11 months ago

How to Survive Without a Bank Account

Conducting daily life without a bank account is becoming trickier as more and more transactions move online, but many people still find a way to successfully manage it. According to …
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Why You Shouldn’t Get Your Tax Return on a Prepaid Card
11 months ago

Why You Shouldn’t Get Your Tax Return on a Prepaid Card

If you’re among the 80 percent of taxpayers who file their returns electronically, you’ve probably noticed that your tax preparation website now advertises the option of receiving your tax refund …
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4 Ways You Are Making Your Credit Card Debt Worse
11 months ago

4 Ways You Are Making Your Credit Card Debt Worse

If you’re one of the millions of Americans plagued by credit card debt, there’s a good chance you’re actually making the problem worse for yourself. If you make any of …
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How Does a Balance Transfer Affect Your Credit Score?
11 months ago

How Does a Balance Transfer Affect Your Credit Score?

A balance transfer typically occurs when you transfer debt from one credit card onto another card with a lower interest rate. Even though such transfers do not reduce the amount …
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5 Things You Can’t Pay for With a Credit Card
12 months ago

5 Things You Can’t Pay for With a Credit Card

We use credit cards so often they sometimes feel the same as cash – but unfortunately, that couldn’t be further from the truth.

When you use a credit card, you’re …
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4 Credit Myths You Should Ignore
1 year ago

4 Credit Myths You Should Ignore

The state of your credit has a big effect on your ability to rent housing, qualify for insurance and get good interest rates on loans. Unfortunately, the importance of credit …
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4 Financial Moves to Make in January
1 year ago

4 Financial Moves to Make in January

You just put away your holiday decorations and now it’s time to get serious about your financial status. Here are four money moves to make in January to start the …
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Household Debt is on the Rise: How to Get Yours Under Control
1 year ago

Household Debt is on the Rise: How to Get Yours Under Control

Household debt rose 15 percent nationwide this year, which means a real burden for those dealing with increased financial insecurity. Fortunately, strategies exist that can help you lower your …
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How to Clean Up Your Finances Before the New Year
1 year ago

How to Clean Up Your Finances Before the New Year

As New Year’s Eve approaches, many start thinking of their New Year’s resolutions and what they hope to change in the New Year. What often doesn’t make the list — …
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Money Mistakes You Should Stop Making by 30
1 year ago

Money Mistakes You Should Stop Making by 30

Your priorities change as you grow older, and the things you once spent your money on might change as well. Additionally, you begin to focus more on saving rather than …
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How to Protect Your Identity When You Holiday Shop Online
1 year ago

How to Protect Your Identity When You Holiday Shop Online

Shopping online makes holiday shopping so much easier, but it also makes having your identity stolen easier as well. While new credit card security chips will make shopping in stores …
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Can’t Get a Loan? Here are Some Alternatives
1 year ago

Can’t Get a Loan? Here are Some Alternatives

Many Americans experience a financial hardship at some point in their lives and need a personal loan to help them out. However, banks sometimes make it very difficult to get …
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Can I Run Away From My Credit Card Debt?
1 year ago

Can I Run Away From My Credit Card Debt?

If you’ve accumulated more credit card debt than you can repay, you need to understand how the law limits the amount of time creditors have to bring a lawsuit …
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3 Money Moves to Make in the Last Quarter of the Year
1 year ago

3 Money Moves to Make in the Last Quarter of the Year

The last quarter of 2015 is a great time to review your finances, so you can ensure you’re on track for your annual tax return and look at your financial …
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What Is a Credit Card Cash Advance and When Should You Use One?
1 year ago

What Is a Credit Card Cash Advance and When Should You Use One?

If you own a credit card, you may be eligible for a cash advance. However, it’s important to understand what a cash advance is, how they work and how much …
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The Pros and Cons of Identity Theft Protection
1 year ago

The Pros and Cons of Identity Theft Protection

Experiencing identity theft can be traumatic and financially painful. In the United States alone, an identity fraud occurs about once every two seconds, costing consumers and businesses billions in losses …
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Is Consolidating Your Credit Card Debt the Right Decision?
1 year ago

Is Consolidating Your Credit Card Debt the Right Decision?

When you’ve got multiple credit cards that are carrying substantial balances, it can feel overwhelming. Every month you make payments, but somehow, the balance never seems to tick downward. Consolidating …
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Debt: Why You Need to Pay More Than the Monthly Minimum
1 year ago

Debt: Why You Need to Pay More Than the Monthly Minimum

You’ve likely heard that many Americans have credit card debt, and if you are reading this article, you are probably one of them. You may not have a large debt, …
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5 Clever Ways to Get Rid of Debt for Good
1 year ago

5 Clever Ways to Get Rid of Debt for Good

The average American family has a credit card debt of $7,327. Not only is this debt a burden, it means that thousands of dollars are wasted on interest payments. With …
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The Crippling Consequences of Credit Card Debt
1 year ago

The Crippling Consequences of Credit Card Debt

You just received your brand-new $10,000 credit limit VISA card, so it’s time to go shopping, right? Not so fast. Credit isn’t free, and there are strings attached. Using your …
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How Much Credit Card Debt Can You Afford?
1 year ago

How Much Credit Card Debt Can You Afford?

Imagine a brand new credit card with a spending limit of $5,000 just arrived in your mailbox. What do you do? If you’re like most, you activate it over the …
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3 Ways to Make Money With Your Credit Cards
2 years ago

3 Ways to Make Money With Your Credit Cards

The average U.S. consumer has 2.63 credit cards. Are you putting your credit cards to their best use? Your cards go beyond giving you credit for purchases — in fact, …
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Things That People Forget to Budget For
2 years ago

Things That People Forget to Budget For

It never seems to fail. You budget your finances at the beginning of the month and you include all the essentials. You have your mortgage payments, your utilities, and your …
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4 Weird Ways Your Identity can be Stolen
2 years ago

4 Weird Ways Your Identity can be Stolen

Millions are hit with identity theft around the world each year, and most people are unaware just how many unusual ways their identities can actually be stolen. Unfortunately, these methods …
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Top 5 Ways Veterans Can Save With Military Benefits
2 years ago

Top 5 Ways Veterans Can Save With Military Benefits

The United States is grateful for the contributions of its military veterans, and a wide assortment of public and private benefits exist to express this gratitude. If you’re a veteran, …
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How Long Will it Take the Average American to Pay Off Credit Debt?
2 years ago

How Long Will it Take the Average American to Pay Off Credit Debt?

If you’re dealing with high credit card debt, you’re not alone. Like, really not alone — according to the Federal Reserve, consumer credit debt in the U.S. has topped $3.34 …
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Tips for Getting Your Personal Financial House in Order
2 years ago

Tips for Getting Your Personal Financial House in Order

It’s important to rebuild and maintain a good credit rating so you’ll be in control of your finances. Having good credit also makes it easier to get a loan when …
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4 Best Ways to Build Your Credit from Scratch
2 years ago

4 Best Ways to Build Your Credit from Scratch

Credit and debt have become scary words. They conjure images of people drowning under student debt or fretting over credit card bills that have gotten out of hand. However, credit …
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What Are the Worst Financial Habits Most People Have?
2 years ago

What Are the Worst Financial Habits Most People Have?

One of the best ways to improve your financial fitness is to cultivate good habits. With 60 percent of Americans experiencing some sort of financial shock in 2014 alone, it’s …
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Secured vs. Unsecured Credit Cards: What’s the Difference?
2 years ago

Secured vs. Unsecured Credit Cards: What’s the Difference?

Whether you’re new to the credit world or you’re rebuilding your score after a bankruptcy, it’s important to know the different types of credit cards available. Credit cards have a …
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What to do When Your Credit Score Hits ‘Good’ or ‘Excellent’
2 years ago

What to do When Your Credit Score Hits ‘Good’ or ‘Excellent’

It wasn’t easy, but your credit score just passed the 661 mark into “good” territory or the 781 mark into the “excellent” category. Congratulations, you’re now a credit score champion! …
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Credit Card Mistakes That Keep You From Getting a Mortgage
2 years ago

Credit Card Mistakes That Keep You From Getting a Mortgage

It doesn’t matter if you found the house of your dreams if you can’t nab the mortgage loan needed to buy it. Unfortunately, credit card mistakes can often lead to …
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4 Bad Credit Card Habits to Break
2 years ago

4 Bad Credit Card Habits to Break

Credit cards are a crucial tool in our financial lives and provide flexibility and protection when using today’s multi-channel payment options. A credit card track record establishes evidence of your …
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Three Ways to Lower Your Credit Card Interest Rate
2 years ago

Three Ways to Lower Your Credit Card Interest Rate

Many assume it’s impossible to lower their credit card interest rate. At first glance, it seems like something that is entirely in the control of credit card companies. However, in …
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Who can get Turned Down for a Secured Credit Card?
2 years ago

Who can get Turned Down for a Secured Credit Card?

Obtaining a secured credit card is an effective way for people to establish or rebuild their credit histories. You only have to pay a small amount of money up front, …
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Who is Using Mobile Payments?
2 years ago

Who is Using Mobile Payments?

With the introduction of new technology like Apple Pay and Square, many are trumpeting the coming death of other forms of payment, like cash and credit cards. But are people …
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Will Your Kids Inherit Your Debt?
2 years ago

Will Your Kids Inherit Your Debt?

If you have unpaid debts at the time of your death, will your children ultimately be accountable to pay them? For many parents, especially those whose debt is substantial, the …
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How to Improve Your Credit in 2015
2 years ago

How to Improve Your Credit in 2015

If raising your credit score in 2015 is one of your New Year’s resolutions, we can help. If you are just looking for a tune-up for your credit score, there …
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Why Debit Cards can be Dangerous
2 years ago

Why Debit Cards can be Dangerous

American consumers are using debit cards more than ever before. For example, the total number of debit card transactions in 2003 was 15.6 billion. By 2012, that number had more …
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Best Ways to Avoid Holiday Debt
2 years ago

Best Ways to Avoid Holiday Debt

In 2013, 57% of American parents reported taking on debt in order to purchase holiday gifts for their kids. Furthermore stating that it was more important to buy loved ones …
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The Smart Way to Ditch Your Credit Cards
2 years ago

The Smart Way to Ditch Your Credit Cards

More and more people are opting to live without credit cards, since many of us get swept up in the convenience of the buy now/pay later mentality. That could be …
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5 Best Bits of Money Advice from the Rich
2 years ago

5 Best Bits of Money Advice from the Rich

While not all the rich are the best when it comes to handling money, the richest man in the country knows a thing or two about how to save. Warren …
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Best Reward Cards for Every Level of Credit
2 years ago

Best Reward Cards for Every Level of Credit

We all love the idea of credit cards who award spending, hello free flights, cash back bonuses, and other perks. But when is a reward credit card worth it? And are …
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Best Ways to Teach Your Kids About Credit
2 years ago

Best Ways to Teach Your Kids About Credit

First, don’t freak out. I know that the idea of handing the power of a credit card over to your kids is a heart attack-inducing concept, but hear me out. …
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What to Know About Apple Pay
2 years ago

What to Know About Apple Pay

The tech world has been talking about Apple Pay for months, a mobile pay system, where all you need is your phone. Apple Pay appears to be no different from …
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4 Credit Card Hacks that Can Save You Money
2 years ago

4 Credit Card Hacks that Can Save You Money

If you aren’t careful with your spending, credit cards can be an issue, but if you use them properly and watch your spending, credit cards can actually be a great …
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Best Credit Cards for Holiday Shopping Season
2 years ago

Best Credit Cards for Holiday Shopping Season

Need some financial help when it comes to your holiday shopping? Sometimes, picking the right credit card can save you more than you think. Between intro bonuses, rewards and 0% …
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How to Earn the Most Reward Miles Without Traveling
2 years ago

How to Earn the Most Reward Miles Without Traveling

Of course, the easiest way to pick up rewards from a frequent flyer program is to travel with that airline. The problem is, you would have to travel a lot …
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Best Credit Cards for Average Credit

It can be hard to be approved for a credit card if you have issues with your credit score. Most of the popular credit cards are reserved for those with …
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4 Questions to Ask Before Getting a Credit Card
2 years ago

4 Questions to Ask Before Getting a Credit Card

Many people think that getting a credit card should be a simple process. Find out which credit card is best and apply, right? Wrong. Credit cards are complicated. There are …
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How to Avoid Paying Credit Card Interest
2 years ago

How to Avoid Paying Credit Card Interest

One of the main reasons that the country is in billions of dollars of credit card debt is because people are paying hundreds, if not thousands, of dollars a year …
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Best Balance Transfer Credit Cards
2 years ago

Best Balance Transfer Credit Cards

Tired of paying interest on your credit card debt? Don’t get caught in a cycle of trying to pay down your interest. A little known secret of avoiding paying credit …
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Best Credit Cards for Back to School
3 years ago

Best Credit Cards for Back to School

The summer isn’t over yet, but stores are already doing a full-court press on the back-to-school shopping. If you are already getting into the back-to-school mentality, it might be a …
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Pros and Cons of Being Addicted to Credit
3 years ago

Pros and Cons of Being Addicted to Credit

Modern society runs on credit. People use credit cards to pay bills, pay for vacations they couldn’t otherwise afford, and make investments into their own and their kids’ futures. It’s …
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How to not be Tricked by Interest Rates
3 years ago

How to not be Tricked by Interest Rates

When you’re paying off debt, don’t forget to take interest rates into account. If you don’t pay an account in full, you’ll get charged interest, and that can cause you …
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Best Credit Card for Your Credit Score
3 years ago

Best Credit Card for Your Credit Score

Looking for a new credit card? It might be tempting to apply for the best credit card, even if you don’t have the best credit. While shooting for the card …
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Why Aren’t We Using EMV Chip Credit Cards?
3 years ago

Why Aren’t We Using EMV Chip Credit Cards?

Starting in 2015, the credit cards we use in the United States will finally catch up to the high level of security that card users in other countries have enjoyed …
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Practical Ways to Get Out of Debt

Sometimes, debt can slowly grow until you suddenly feel overwhelmed and trapped by its ever-increasing numbers. Other times, debt can come all at once from instances such as hospital bills …
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Best Credit Card Bonuses and Perks
3 years ago

Best Credit Card Bonuses and Perks

If you are looking for a credit card, you should be searching for a card that will give you the best credit card bonuses and perks for your needs. It …
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Best Credit Card with All-Around Perks
3 years ago

Best Credit Card with All-Around Perks

You want a credit card that pays you back for using it, but which credit card offers the best rewards? It all depends on what you are using it for. …
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How do Prepaid Credit Cards Work?
3 years ago

How do Prepaid Credit Cards Work?

If your credit has suffered because of financial difficulties and you no longer qualify for a regular credit card, or if you are new to the world of credit, you …
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Top 5 Personal Finance Books
3 years ago

Top 5 Personal Finance Books

This list of the top five personal finance books offers a wide range of viewpoints, where they discuss many aspects to life but with a money focus. The books provide advice …
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Best Credit Cards with Free Credit Scores
3 years ago

Best Credit Cards with Free Credit Scores

Want your credit score but don’t want to have to pay for it? Luckily, several credit card companies are now including your credit score on your monthly billing statement to …
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5 Tips for Spring Cleaning Your Finances
3 years ago

5 Tips for Spring Cleaning Your Finances

Spring may be the traditional season for overhauling your housekeeping, but it’s also a great time to overhaul your personal finances. By doing a little spring cleaning on personal finance …
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Why Won’t Prepaid, Debit Cards Affect Your Credit Score?
3 years ago

Why Won’t Prepaid, Debit Cards Affect Your Credit Score?

Prepaid credit cards are advertised as a great option for people who are trying to rebuild their credit, but can prepaid cards or debit cards really affect your credit score?


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Best Credit Card with 0% Interest Perk
3 years ago

Best Credit Card with 0% Interest Perk

With fewer people signing up for credit cards, the credit card lenders are pulling out all the stops when it comes to offering extra bonuses and incentives with their credit …
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Are Credit Scores that Credit Cards Provide Legit?
3 years ago

Are Credit Scores that Credit Cards Provide Legit?

Reader Question: Discover just sent me a bill and my credit score was on it. Is this an accurate score? Should I trust it?

Answer: The credit score that many …
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Best Credit Cards for Spring Break
3 years ago

Best Credit Cards for Spring Break

Are you already ready to get away from the cold and head off to a tropical destination for spring break? This has been one of the worst winters ever, and …
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Best Credit Cards to Pay Your Taxes
3 years ago

Best Credit Cards to Pay Your Taxes

If you can’t afford to pay your taxes with cash or you just want to earn some extra cash back or travel points, using a credit card to pay your …
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Does Experian Work?
3 years ago

Does Experian Work?

Reader Question: I’ve seen commercials for Experian. Does it work? Will it protect my credit?

Answer: Let’s be clear from the beginning, Experian does not protect your credit from identity …
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The Scope of Identity Theft in 2014
3 years ago

The Scope of Identity Theft in 2014

There was a time, not long ago, that identity thieves would focus almost solely on stealing social security numbers and credit card information, such as in the recent Neiman Marcus …
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Common Financial Myths to Avoid
3 years ago

Common Financial Myths to Avoid

Money worries are common. However, financial myths abound that can cause you to make mistakes with your financial future. By learning the facts, you avoid using myths as your guideposts. …
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Could Facebook Hurt Your Credit?
3 years ago

Could Facebook Hurt Your Credit?

Social media is becoming more and more a part of our everyday life, but could your social media life start to impact your financial life? It is starting to look …
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What is the Worst Kind of Debt to Carry?
3 years ago

What is the Worst Kind of Debt to Carry?

Is there a good type of debt? What most people think when they see any type of debt is a big, red X. They think that all debt is bad. …
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Best Credit Cards for 2017

It’s a new year and a perfect time to get your finances in order. Whether your New Year’s resolution is to get rid of your debt or to go on …
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Credit Card Info Stolen at Target? Here’s What to Do.
3 years ago

Credit Card Info Stolen at Target? Here’s What to Do.

Target is now saying that up to 110 million people were victims of a security breach during one of the busiest shopping seasons. Credit card information was stolen using their …
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How to Overcome the After-Holiday Debt Blues
3 years ago

How to Overcome the After-Holiday Debt Blues

Now that the holidays are over, you may find yourself drowning in debt. If that is the case, don’t panic, there are ways to easily pay down your debt without …
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Top 5 Money Resolutions for 2014
3 years ago

Top 5 Money Resolutions for 2014

As you consider your resolutions for 2014, make sure you include some personal finance improvements in your goals. Luckily, there are certain steps you can take to improve your financial …
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Can Missing One Payment Affect Your Credit Score?
3 years ago

Can Missing One Payment Affect Your Credit Score?

Reader Question: I missed a payment on my credit card this month by more than a week. Will that affect my credit score?

Answer: Great question. Many people think that missing …
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4 Money Habits of the One Percent

The richest people in the world have a few common habits. This is not coincidental. For those who want financial independence, there are certain lifestyle changes they must adopt that …
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How to Avoid Taking on Massive Debt While Holiday Shopping
3 years ago

How to Avoid Taking on Massive Debt While Holiday Shopping

Are you being careful this holiday shopping season? Many people will overextend themselves when shopping for gifts, but that is just what happens during the holidays, right? It doesn’t have …
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