latoyairby

Being able to access your online credit card account has the added benefit of allowing you to spot unauthorized charges sooner. Even when you’re careful with your card, there’s always a chance that hackers can steal your credit card information in other ways. For example, thieves may breach a company you’ve previously done business with.…
Read the rest

Your monthly or annual income is one of the pieces of information credit card issuers need to complete your credit card application. Completing the income portion can be confusing for some applications, especially if you have non–traditional income or income from multiple sources.

You can include income you earn from a full-or part-time job, retirement disbursements, and social security benefits.…
Read the rest

A balance transfer credit card can be a great way to get out of paying hundreds of dollars on high interest rate credit card debt. Balance transfer cards have an introductory period where you won’t pay any interest on a balance you move from another credit card. If you’re considering a balance transfer to pay off some debt, here’s what you should know.…
Read the rest

Just having a credit card puts you at risk of credit card fraud – where criminals use your credit card information to rack up purchases. Fortunately, most credit card issuers offer zero liability protection against fraudulent protection which keeps you from having to pay up for charges you didn’t make. Still, catching and reporting fraud can be a headache.…
Read the rest

Most credit cards come with a preset credit limit. A card’s credit limit is the max outstanding balance you can have at any given time. You can pay down your balance and keep using your available over and over as long as you abide by the credit card issuer’s rules. That usually means making the minimum credit card payment each month on time and staying below your credit limit.…
Read the rest

To the average credit card user, all rewards credit cards may seem created equally. All rewards credit cards pay a certain amount of rewards on some or all your purchases, but that’s usually where the similarities end.

There are are usually enough differences between credit cards so can narrow down your selection to the best.…
Read the rest

Outstanding credit card debt and average credit card interest rates are both at the highest levels ever, which means consumers are paying a lot of money in credit card interest. Credit card issuers charge monthly interest in the form of a finance charge each month a cardholder carries a balance past the credit card date.…
Read the rest

Credit cards aren’t holding back when it comes to credit card rewards. They’re beefing up rewards, raising the signup bonus, and packing their cards with perks on top of perks. Rewards credit cards are more attractive than ever, giving a chance to earn cash back, points, and travel rewards for your everyday spending.…
Read the rest

There are those who swear off credit cards because of the risk of getting into too much debt. That’s a fair point. If you’re not diligent about using your credit cards wisely, you can get in over your head. But, charging what you can afford and paying your full balance each month allows you to safely avoid the risks of credit card debt.…
Read the rest

When you’re shopping for a new credit card, it’s smart to choose a credit card based on your spending habits. If you travel a lot, the best credit card to have in your wallet is one that offers a ton of travel-related rewards and perks. Taking advantage of these benefits allows you to offset you travel expenses, sometimes even earning free flight and hotels stays.…
Read the rest