A credit card is a financial tool, and just like any tool, its effectiveness depends on how well you use it. For it to be useful, credit card users need to understand their basic principles. Who is eligible to acquire a credit card? What are the credit card’s features? How do you become a responsible … Read more
Perhaps you have no idea what the big deal is with credit cards. Maybe you have seen people with several credit cards but have never quite understood why they have them. Well, the truth of the matter is that these pieces of plastic are incredibly useful for a variety of reasons. However, they also come with … Read more
With credit cards being a huge part of our economy, it is no surprise that unsavory people have devised methods to compromise them. Nonetheless, it is a scary thing to find out that your card has been compromised. If you ever find yourself in such a dreadful position, you need to act fast. Acting fast … Read more
The holiday season is upon us yet again, and this means bringing out all our savings and starting to enjoy what the season has to offer. However, the holiday season comes with its pressures, meaning you will be forced to overspend. From decorations to gifts to flights, this is a time to spend, regardless of … Read more
As the norm is today, everyone has debt. But oftentimes people use this fact as a reason not to properly address theirs. However, debt is certainly not something that should be ignored. You should clear off your debts as soon as you possibly can, and the first debt you will want to clear is any … Read more
The average wedding in the United States today costs around $30,000, according to various surveys. When it comes to spending such a large sum of money for various wedding costs such as venue and vendors, your credit card will come in handy. Not only will you be able to pay for the wedding, but the … Read more
The holiday season means increased shopping, increased spending, and everything in between. For some reason, most people prefer using credit cards for shopping to get as many rewards as possible. Most credit cards offer bonuses on shopping, and there has never been a better time to take advantage of them than the holiday season. With the right … Read more
No human is perfect, and we are all bound to make mistakes. But, believe it or not, if your partner has bad credit, it will eventually affect you. For example, if you decide to buy a home one day and the other party has a poor score, it will lower your chances of getting approved … Read more
It is to build credit to help you save yourself from high fees on a future mortgage or loan. But doing so isn’t necessarily a walk in the park. It takes discipline, self-control, and determination. If you are new to credit cards, you might ask your credit issuer exactly how building credit works. There is readily … Read more
As the holiday season approaches, store credit cards get all the more popular with shoppers. Store credit cards can provide an additional line of credit for those who have big holiday shopping lists from particular shops. Whether it is a card from their go-to store, or just from a place where they are making a … Read more
Depending on how you use it, a credit card can be both a blessing and a curse. They are very useful, especially if you are short on cash. Furthermore, these cards provide benefits such as cashback, rewards, travel miles, and purchase protection. However, if you are already in debt or do not know how to … Read more
Even the most meticulous folks have missed credit card payment at least once. Maybe they were on vacation, maybe they overlooked their credit card bill, maybe they didn’t have money, or they simply forgot! The point is, it happens. The reasons are endless but the fact remains that many of us at some point or … Read more
Paying off your credit card Is not a walk in the park. It certainly isn’t as easy as getting into debt. However, whether we like it or not, paying off credit card debt is something we have to face head-on. Being able to pay off your credit card requires taking a hard look at your … Read more
Credit cards offer users convenience, especially when traveling. It is nice to know that you do not have to walk around with pockets full of cash. However, using credit cards in foreign countries has its downsides as well. You can run the risk of overpaying because of additional charges that might be added to the … Read more