Credit Education

What do you pay the most attention to when comparing credit card offers? Do you realize there is more to think about than a low interest rate and powerful rewards program?

Before applying for any credit card offer, it’s important to answer this question: what fees are associated with the card?…
Read the rest

There is no better feeling than reviewing the details of your credit card and realizing that everything is in order.

Conversely, it can be a bit frustrating to review the finer details just to find that something is out of place.

If your credit card is coming up short in a key area, you have a big decision to make: will you keep your current card or make a change to a new one?…
Read the rest

Do you think you know everything there is to know about credit card reward points?

Even if you have good knowledge of how these points work, here’s something to remember: every program is different.

Here are three things you should always keep in mind:

1. Credit Card Reward Points can Expire

Depending on your rewards program, there’s a possibility that the points you earn today could expire at some point in the future.…
Read the rest

Do you have a rewards credit card? Do you understand the many terms and conditions that govern your card?

Even if you have been carrying your rewards credit card for many years, there’s a good chance you don’t fully understand the finer details associated with it.

Here are some of the many things you need to know:

• When or if your points expire.

As a credit card holder, you should take advantage of all the tools that are available to you. Online account access is one of those that you can’t afford to overlook.

There are many ways to use this tool, with the following among the best:

• Track and check your balance. How do you know how much you have charged on your credit card during a specific period?

Unless you have cash on top of cash sitting in the bank, it’s a good idea to keep an emergency credit card nearby.

You hope you are never faced with an emergency in the future, but you realize this could happen at some point. From a medical emergency to a car repair, something bad could go wrong when you least expect it.…
Read the rest

One of the primary benefits of shopping with a credit card is the protection you receive as a consumer.

At some point, you may realize that you need to dispute a credit card charge. This isn’t exciting by any means – as it will take some time and effort on your part – but it may be something you need to do nonetheless.…
Read the rest

If you’ll find yourself traveling this summer, it’s imperative to gain a solid understanding of how you will pay for the many expenses that are sure to arise.

While some expenses are best paid for with cash or a debit card, there are others in which using a credit card makes the most sense.…
Read the rest

It doesn’t matter if you’ve had your credit card for several months or many years, there is always the chance that you could find yourself searching for a replacement at some point in the future.

There are many reasons why you may need to replace your credit card with a new one, including the following:

• Too many fees.

There is no right or wrong way to compare credit card offers, but there are definitely some steps you can take to ensure that you are on the right track.

Once you implement a system for comparing offers and moving toward a final decision, you’ll feel comfortable with the steps you are taking.…
Read the rest