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.
Tired of tossing credit card offers every time you check the mail? There’s way to stop most credit card offers temporarily or even permanently. Background on Pre-Approved Credit Card Offers For many of their prescreened credit card offers, credit card issuers use lists from credit bureaus. Credit card issuers ask the bureau to send a … Read more
The most commonly given advice regarding credit card annual fees is that you shouldn’t pay one. However, you may be passing up a great credit card deal if you swear off credit cards that charge a fee each year. At least look at the perks before you decide an annual fee credit card is a … Read more
The interest rate, or APR (annual percentage rate), is one of the most important credit card features because it impacts what you pay for carrying a credit card balance from one month to the next. But, credit cards have more than one APR that you should know about. Five Types of Credit Card APRs Purchases … Read more
“Should I apply for this credit card?” is a question that should go through your mind every time you think about clicking submit on a credit card application or to applying for a credit card over the phone or by mail. If you apply for a credit card that you’re unable to handle, the resulting … Read more
The minimum payment is the lowest monthly credit card payment you can make and remain in good standing with your credit card issuer. The minimum payment is just a small percentage of your balance, often 3% to 5%, and paying just that amount means you can use the rest of your money for other things. … Read more
The Federal Trade Commission recently shut down a telemarketing scam following consumer complaints of being sold a bogus credit card. In the scam, telemarketers called consumers who’d recently applied for an online payday loan. These consumers were offered a credit card with a $9,500 credit limit if they agreed to pay an advance fee of … Read more
Identity theft and credit card fraud can be difficult to detect and sometimes costly and time-consuming to correct. While many there are laws and business policies to protect you from fraud liability, you’ll still have to spend time dealing with the effects of fraud. Early detection is key to ensuring you minimize credit card fraud … Read more
Responding to a pre-approved credit card offer doesn’t mean you’ll necessarily actually get the credit card once you apply. Before you get your hopes up about a great credit card offer, know that you’ll still have to go through the regular qualification process and you could be denied the credit card or approved for one … Read more
A hit 70’s song said breaking up is hard to do. When you have a credit card that no longer benefits you, leaving may not be as tough as you think. Sometimes better credit cards come along and the cards that used to treat you well may not do the same thing any longer. Here … Read more
Even a great credit score isn’t enough to guarantee your credit card application will be approved. It’s true, you can be denied a credit card even if you have excellent credit. That’s because your credit score isn’t the only factor credit card issuers consider when they decide whether to extend credit to you. Your Income/Ability … Read more
