9 Things to Know About Credit Card Car Rental Coverage

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Many major credit cards provide car rental insurance, alllowing you to ditch the car rental agency’s expensive daily plan and save money on the cost of your rental. Before you rent, here are a few essential things to know. You must pay for the rental with your credit card . Coverage only applies when you use your credit card or rewards points to pay for the rental. You must decline the car rental agency’s collision...
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6 Tips for Traveling With Credit Cards

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Whether you’re traveling for vacation or for business, the last thing you want is to run into issues with your credit card. That kind of stress can make it difficult to enjoy your trip and worse, leave you without a source of funding. Here are a few tips to keep in mind while you’re traveling to make sure your payment methods are protected. Let your credit card issuer know if you’re going out of the...
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What You Should Know About Credit Card Foreign Transaction Fees

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The foreign transaction fee isn't the most common credit card fee, but it’s one you should look out for even if you don’t travel frequently. A foreign transaction fee is charged as a percentage of purchases or ATM withdrawals you make in other currencies. Typically, you’ll pay around 3% of the transaction in a foreign transaction fee. That’s $3 on a $100 transaction. It seems like such a small fee, but if you’re frequently making...
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Why Credit Card Debt Is the Worst Kind of Debt

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This may be an obvious statement, but since I haven't spoke on credit card debt in a few posts I wanted to reiterate it. Credit card debt is one of the worst kinds of debt! Avoid it as much as possible! People who are not financial savvy or are not informative on personal finances can easily get sucked in by credit card companies. While I put the ultimate responsibility on the consumer, credit card companies...
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What to Know About Instant Approval Credit Cards

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When you apply for a credit card , you probably want to know whether you’re approved right away. Thanks to technology, there are many credit cards that can give you an instant approval decision in under a minute. If you apply for a credit card online, chances are, the credit card issuer will be able to tell you right away whether your application is approved. Instant Approval vs. Guaranteed Approval When you’re making an application,...
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5 Tips for Choosing the Right Airline Credit Card

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Airline rewards credit cards allow you to earn points or miles that you can accumulate and redeem for free flights. Whether you’re a frequent flyer or you only take an annual vacation, an airline credit card can help you offset the cost of travelling. Here are a few things you should consider when you’re choosing an airline credit card . Look at the signup bonus. A signup bonus is a lump sum of rewards you...
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5 Ways to Pay off Your Credit Card Debt

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​Credit card debt is one of the worst kinds of debt you can have. You may have had good reasons to accumulate the high interest debt, but you should try to eliminate the debt as soon as possible. You need to create an action plan to help you reduce and eventually eliminate your credit card debt. Below are several strategies and tips to help you eliminate your credit card debt.  Create a plan of action...
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Unsecured Loans vs. Secured Lines of Credit

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Whichever reason you need a loan there are thousands of different choices to make before applying. The first of which is what type of loan to get, unsecured credit loans or secured credit loans. It's important to understand the difference between the two and how both can benefit or put you at a disadvantage. The first crucial decision is do you want a loan or a line of credit? What's the difference between them? A...
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How To Rate Mortgage Companies

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It may sound really easy to figure out mortgage loan companies, but the task is more formidable than most people expect. As you shop for your loan you may come across terms such as ARM, fixed rate loan, balloon mortgage, points, lock-in period, closing cost, prime rate and others. It's crucial to not only know what those terms represent, but to apply them to lenders. Rating mortgage companies means finding out what they are offering...
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Four Perks That Make a Credit Card Well Worth It

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There are dozens and dozens of credit cards on the market . Some aren’t worth a second look, but there are a handful with perks that are so great, you’d be crazy not to get at least one for your wallet. When you’re looking at credit cards or evaluating a credit card offer, here are a few perks that make the credit card well worth it. Rewards Of all the types of credit cards available,...
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