Finance Globe

You should never be shy about negotiating with your credit card company. Here’s why: you have a lot to gain and nothing to lose. The worst that can happen is that you get turned down and have to find an alternative solution. There are many things you can negotiate with your credit card company, including the following: •    Balance: This doesn’t come into play often, but it may if you’re in a tight financial spot. If...

Sure, credit cards are a great way to rack up rewards points on your regular purchases or save money on a high interest rate balance, but there are plenty of other ways you can get tremendous value from your credit card. Pay off your balance every month. One of the ways credit card issuers make money is by charging interest to cardholders who take their time paying off a balance. The bigger your balance and the...

As a business owner, it’s important to have a thorough understanding of your company’s finances at all times. This could lead to a situation in which you recognize the need to borrow money. While there are many ways for a business owner to secure the financing they require, a business credit card is one of the best. There are many reasons for this, including the hundreds of offers and ability to receive an instant approval. A...

Are you a small business owner with big goals for 2019? Have you come to realize that cutting expenses would be in your best interest? Do you have some concerns about the best ways to save money, without having an impact on the overall health of your business? There are many ways to save money as a small business owner, so it’s imperative to keep an open mind as you explore all your options. If you’re...

  Credit cards are a type of financial product that lets you borrow money against a credit limit. You’re responsible for repaying all the transactions you make, either by paying all at once or by making minimum monthly payments toward your outstanding balance. While credit cards offer several benefits, like the ability to finance large purchases or earn rewards on your transactions, they also come with a certain amount of risks that you should be aware...

When choosing a credit card, it’s important to do so with customer service in mind. You don’t expect to have many questions or concerns, but you never know what you’ll face in the future. Good customer service takes on many different forms, including the following: •    More than one way to get in touch. From the phone to live chat to email, the best credit card companies give you more than one way to touch base...

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 can...

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 even...

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 to alter...

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 is...