Credit Education

Credit Card and Reporting Education

What’s an Emergency? When to Use a Credit Card

Many people obtain a credit card with the idea that they will only use it for emergency purposes. While there’s nothing wrong with this, it does lead to an important question: what constitutes an emergency?

There is no right or wrong answer to this question, as it’s based largely on your personal situation, finances, and views on the world.…
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How Do You Increase Your Credit Card Limit?

Don’t be surprised if there comes a point in your life when you want to increase your credit card limit. While you don’t see anything wrong with this, the decision ultimately rests with your credit card issuer.

Of course, your credit card company won’t know you want an increase unless you ask.…
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Top Tips for Avoiding Late Credit Card Payments

Nothing harms your credit score quite like a late payment. If you get into the habit of paying your bills past the due date, you can expect it to take a toll on your score.

Fortunately, there are many things you can do to avoid late credit card payments. It all comes down to finding a system that works for you, your budget, and your financial style.…
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What Was the Reason for Your Credit Card Denial?

When you apply for a credit card you hope to receive an instant approval. When this happens, it won’t be long before you’re able to use your credit card and take advantage of its many benefits.

Unfortunately, there is no guarantee of an approval. There are many reasons for a credit card denial, with the following among the most common:

  • You have too much debt.

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When it Makes Sense to Call Your Credit Card Company

In today’s day and age, many people shy away from contacting their credit card company by phone. Instead, they assume that email and/or live chat is all they need to get their questions answered.

While there is nothing wrong with taking advantage of technology, there are times when a phone call is the best way to get in touch.…
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What Makes Up a Credit Score?

Everyone wants to have a good credit score, but there’s more to achieving this goal than paying your bills on time and hoping for the best

It’s important to understand what makes up a credit score. With this knowledge, it’s much easier to adjust your financial approach to improve your chance of boosting your score and avoiding harmful mistakes.…
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How to Win a Credit Card Dispute

You never want to find yourself filing a credit card dispute, but it may be something you have to do at some point. There are many reasons for this, including but not limited to:

  • Incorrect billing
  • You did not receive an item you ordered
  • You received a service or product that was substandard or misrepresented

Most credit card companies have a simple dispute process in place, but that doesn’t necessarily guarantee your success.…
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How to Build Credit for the First Time

Are you in the process of building your credit score from scratch? While everyone has to start somewhere, this can be a frustrating place. Fortunately, there are a variety of steps you can take to establish credit sooner rather than later.

Here are three of the absolute best ways to build credit for the first time:

  • Use a secured credit card.

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3 Ways to Contain Your Credit Card Spending

There are many benefits of carrying a credit card, such as the convenience it affords when making a large purchase.

However, using a credit card in a responsible manner is easier said than done. In other words, it’s not out of the question that your spending could quickly spiral out of control.…
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6 Details to Consider When Comparing Credit Card Offers

Are you in the process of comparing credit card offers? Are you wondering how you’ll ever sift through all the offers to find the one that suits you best?

It’s good that there are hundreds of credit card offers to compare. This gives you the opportunity to find the one that matches your current financial standing and goals.…
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