Not everyone uses their credit cards on a regular basis. Imagine the shock of needing to use your credit card only to find that it has been canceled by a credit grantor. You hear horror stories of people vacationing overseas and discovering this problem, then spending hours trying to fix it. Unfortunately, the credit card[…]
Your FICO credit score is one of the major factors a lender will consider when determining whether or not to approve you for credit. There are many things that go into your FICO score, which means that there are things that you can do to improve it. Careful attention to your FICO score can help[…]
When it comes to your credit score, bigger, and more, is better. With the exception of how much debt you have (obviously you want that as small as possible if not gone completely), you always want bigger with your credit line. If you have more credit cards, then your credit limit rises, which means[…]
Earning miles and points from your credit card is fun—especially when the annual fee is waived for the first year. Once that anniversary comes around, however, you may be required to pay an annual fee—which might not be what you planned. Since you have earned tons of points, you don’t want to simply cancel the[…]
When you start reading the advice of financial advisors, you will discover that most of those experts agree that the first step toward getting out of debt is paying off your credit cards. This will make your budget more flexible when you do not have to make credit card payments each month. But what they[…]
We’ve all heard the importance of paying close attention to our credit scores. Many of the credit card companies are beginning to catch on to the importance of having consumers keep it in control, and helping them track it—whether on a monthly statement, like Discover, or through the online account, like Chase and US Bank.[…]
It’s no surprise that the average college student graduates with well over $30,000 in student loan debt. However, too many people fail to realize that not paying their student loans, or not paying them in a timely manner, can seriously hurt their credit. A student loan is just like any other loan. It must be[…]
There are tons of advice givers and wisdom providers out there. Regardless of what topic you seek help and guidance on, there is always someone within arm’s length who is eager to drop some knowledge on you. This surplus of advice is great, considering that years and years ago, you were limited to the advice[…]
Are Credit Card Sign Up Bonuses a Scam? Credit card sign up bonuses may sound like a scam sometimes, but they aren’t if you’re smart about managing your credit card spending and bill payment. Sign up and get $350 cash back! Sign up and get 5000 points! Sign up and pay 0% interest! You’ve seen[…]
How to Dispute Inaccurate Information on My Credit Report? You’ve got your eye on a new credit card with great rewards and a sweet sign-up bonus. You completed the application, and you know that it’s just a formality because you have good credit and there will be no problem getting that new card. But then,[…]