Finance Globe Blog

Are you interested in applying for your first credit card? Are you concerned about sifting through the hundreds of offers on your way to finding the right one? Searching for your first credit card can be enjoyable, stressful, and downright scary at times. On the plus side, there are numerous offers to choose from, thus allowing you to find one that is perfect for you and your financial goals. Conversely, a large number of offers...

One of the features that comes with today’s smartphones is the ability to use your phone for payments rather than swiping your credit cards. The latest smartphones come equipped with a technology known as Near Field Communication, or NFC, which can transmit certain information when the phone is near an NFC-equipped reader. In the case of payments, your phone can securely send your payment information when it’s placed near a credit card terminal. Some smartwatches...

When you apply for a travel rewards credit card , you hope to use it to your advantage for many years to come. While there’s a good chance of this happening, you never know what will change in the future. There are several times when it makes sense to find a new travel rewards credit card, including the following situations: •    Terms and conditions have changed. You don’t see it coming, but your issuer decides...

With hundreds of rewards credit cards to choose from, it can be both easy and difficult to make a final decision. On the surface, it appears that a variety of offers will allow you to find a credit card that suits your every want and need. While this is true, you’ll have to sift through all of them to find exactly what you’re looking for. The easiest way to choose the right rewards credit card...

The perks on premium rewards credit cards look great, but the high annual fee causes many people to run the other way. The annual fee on a premium rewards credit card can be as high as $550 and unlike many other types of credit cards, the annual fee isn’t waived in the first year. That means you have to start paying for the credit card right away. In some cases, what looks like a steep...

When was the last time you reached out to your credit card company to ask a specific question? Were you happy with the answer, or left wanting more? There’s no reason to regularly contact your credit card company, but there are definitely times when it makes sense to do so. Here are three questions you should ask today: •    Is there any way to secure a lower interest rate? This is of particular importance if...

As an entrepreneur, keeping your finances straight can make or break your business. Using a credit card can help you organize your expenses, keeping everything in one place so it’s easier to see what you’re spending. Having a separate credit card for your business helps you keep your business and personal expenses separate. This is key when it comes to accounting and filing your taxes. Keeping your expenses separate is also important for legally protecting...

When you apply for a credit card it’s your hope that you receive an instant approval. Unfortunately, this may not be the end result. It’s always possible that you could receive a denial, thus forcing you to take a few key steps in the near future. Here are five things to do if your credit card application is denied: •    Read your adverse action letter: the credit card issuer is required to send you an...

Most major hotel chains offer a co-branded credit card that allow you to earn points that you can use toward hotel stays. Frequent travelers can benefit from having a hotel credit card. Depending on the card you choose, you may be able to earn rewards on all your credit card purchases, not just your hotel purchases. Take a look at multiple hotel credit cards and compare them to decide which hotel credit card would best suit you. The...

Saving for you children’s future is on every parent’s mind. Given it can be a long way away, many parents can defer their children’s savings to a later time. This is a huge mistake and can lead to an under-funded savings. Below are a few tips and tricks to help save for your children’s future.  Start as early as you can : Even its $25 a month, start saving when the baby is born. It...