When you sign up for a credit card with a rewards program, you dream of the day when you’ll have enough points to redeem them for something of great value.
For some, this comes sooner rather than later.…
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Use Your Credit Card Points for These Things
The Credit Card Balance Transfer
Many credit card users are taking advantage of the opportunity to save money on interest fees with a credit card balance transfer.
A balance transfer can be made from one or more credit cards, transferring the debt to a new card with better interest rates, often as low as 0%.…
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Credit Card Reward Types
Rewards cards are aimed at consumers with good to excellent credit and offer the cardholder a little something back for using the card.
Generally, rewards are 1% of purchases charged to the card.…
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Secured Credit Cards to Build Your Credit History
Getting your first credit card can be frustrating.
You may have found that creditors refuse to issue you a credit card because you have no credit history. And you may wonder how you’re going to build a credit history if no one will give you a credit card. …
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How to Get Your Credit Score
There are a few ways to obtain your credit score:
When getting your free annual credit report
By law, all consumers are entitled to a free credit report from each of the three major credit bureaus each year.…
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How Do Secured Credit Cards Work?
A secured credit card can be a great option for you to build your credit history while enjoying the conveniences of using a credit card.
Start by looking specifically for a secured credit card to apply for.…
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Smart Credit Card Habits
Credit cards can be incredibly useful—offering convenience, purchase protection, and even rewards. But without smart habits, they can just as easily lead to unnecessary fees, high-interest debt, and financial stress. The key is using them with intention.…
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Credit Scores and Cards
Credit scores range from 300 to 850 and higher is better.
Generally, a credit score of 720 or higher is considered an excellent credit score and applicants may qualify for credit cards with no annual fee, a low APR, and generous rewards.…
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Know Your Credit Score
It’s a good idea to know where you stand in the eyes of creditors before applying for a new credit card or any other type of credit.
Your credit score is the three-digit number that uses information in your credit report to summarize your credit risk.…
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Keeping Up with a Good Credit Rating
Getting your good credit rating was a gradual process. It took years of responsible debt management to finally put you in the low-cost credit club.
Lenders and credit card issuers are delighted to receive a credit application from you, and you’re very likely to get the best deal they offer.…
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