LaToya Irby is a full-time freelance writer and a graduate of the University of Alabama. She primarily writes about personal finance, freelancing, and other self-employment topics.
In this age of electronic transactions, it’s hard to shop without plastic. Credit cards and debit cards make life much easier, allowing you to swipe for purchases instead of counting up the dollars and cents… Choose a Prepaid Debit Card Carefully
The saying “It’s too good to be true” is never more evident than with credit card reward programs. Clever marketing makes many credit card reward programs seem like you’re getting a great deal, but there’s… Rewards Cards Restrictions to Watch Out For
Many financial problems are either a symptom of or directly caused by bad credit card habits. Getting rid of the worst credit card habits will save you money and help your credit score. Here are… Nine Credit Card Habits to Break
Your credit score is a three-digit number that essentially grades the information in your credit report. It’s the number creditors and lenders use to decide whether to approve your application and at what interest rate.… Why There Are Variations in Your Credit Score
A low credit card interest rate is hard to get and easy to lose. If you have a good enough credit history to qualify for a low interest rate, make sure you keep up the… How to Keep Your Good Interest Rate
Your credit score is a mighty number that’s influenced by many of your financial decisions. Fortunately, not everything plays a factor in your credit score. Some negative actions may cost some extra money, but they… Six Actions That Won’t Hurt Your Credit Score
Credit card billing statements are handled electronically, but that doesn’t mean they’re error free. Billing errors – including uncredited payments or returns, finance charge calculations, and unauthorized charges – are more common than you might… Steps to Dispute Credit Card Statement Errors
Recovering from a bad credit score is tough. It can take several years of hard work to bring your credit score out of the pits and back to a place that makes you an attractive… How to Prevent Bad Credit
With credit cards, you have a certain amount of time that you can pay your balance in full and avoid paying interest on your credit card balance. That time period is known as the grace… When Your Credit Card May Not Have a Grace Period
Retail or store-branded credit cards are often the go-to credit card for people who are just starting out with credit or people trying to rebuild a bad credit score. Even if you’re not on the… Some Pros and Cons of Retail Credit Cards