Compare credit cards, maximize rewards, and learn how to avoid interest and fees. Whether you’re looking for cashback cards, travel perks, or building credit, get the insights to choose the best card and use it wisely.
Most credit cards give you the ability to withdraw cash from an ATM the same way you would with a check card, except the money detracts from your credit line instead of your bank account. When you’re in a pinch and you must have cash, a cash advance on your credit card may seem like … Read more
If you know how credit scores are calculated, then you probably already know that applying for a credit card has the potential to impact to your credit score. But is the impact high enough to put off your credit card application for later? Inquiries are placed on your credit report whenever you make a credit-based … Read more
A balance transfer can be a tricky transaction. You might start out fully intending to pay off the balance while you still have a great interest rate. But if you’re not careful, you could end up still owing a big balance after your promotional rate has expired. If you want to get rid of your … Read more
Few things are more embarrassing than having your credit card declined, but try not to overreact if it happens to you. Keep a cool head and try to figure out what’s going on. What to Do First Make sure you’re using the right card and that’s still valid. For example, if your credit card issuer … Read more
As a credit card user, having the right understanding of credit cards is necessary to stay out of credit card trouble. The credit card agreement doesn’t spell out responsible credit card use and unfortunately, many people learn these lessons the hard way. It’s not free money. Having available credit feels like you have extra money … Read more
An emergency fund is the best way to pay for unexpected expenses. But, even if you do have an emergency fund, you may not have enough time to get the money out of your savings account. That’s one of the times that having an emergency credit card can come in handy. You might also have … Read more
Most credit cards let you add another user to the account, an authorized user who receives a separate credit card with their own name on it. This person is able to use their credit card just like you can and, in many cases, the full account history is listed on the other person’s credit report. … Read more
When you use your credit card, you’re agreeing to abide by the credit card issuer’s rules. And if you break the rules, you’ll have to pay a penalty. The good news is that the rules are simple and pretty easy to follow. Stick to them and you’ll avoid expensive credit card fees and penalty rate … Read more
Gas prices are expected to reach record highs this summer which means filling up the tank could get pretty painful. You may consider offsetting the high cost of gas by getting a credit card that rewards your for gas purchases. Good idea. There are many gas rewards cards out there, but not all of them … Read more
A credit card charge-off is the worst credit card status you can have. That’s why you should avoid letting your credit card get that delinquent, if you can help it. How Charge-Off Happens You’ll have plenty of warning before your account gets charged-off. Each month that you’re delinquent the credit card issuer will contact you … Read more
