Credit cards always come in handy, especially if you don’t have cash in your wallet. Aside from convenience, credit cards also offer a variety of benefits. These benefits can include payment protection, cashback rewards, and other advantageous offers. When it comes to credit cards, you can have as many as your credit score can allow. … Read more
Many people are struggling with credit card debt, so paying yours off would be a significant accomplishment. This might take months and even years to accomplish. Once you have paid it off, it’s up to you to decide what to do with the money and available credit you now have. The process of paying off … Read more
Being a responsible credit cardholder requires understanding how credit cards work and the agreement you entered into when signing up for the card. It’s not difficult to be responsible credit card holder, but it does require some diligence on your part. For example, awareness of the status of your card at all times is key … Read more
Credit card inactivity can have a whole host of repercussions. All too often, we barely realize these consequences and simply assume it to be a good thing. After all, we are not utilizing credit that is freely available to us, living a debt-free life, etc. However, surprising as it may seem, credit card inactivity can, … Read more
Many out there think that making only the minimum payment on their credit cards absolves them of all duties as responsible credit card owners. Well, that is hardly the case. So much goes into how your creditworthiness is determined, and your ability to go beyond the minimum when you pay your credit card bills is … Read more
“How many credit cards should I have?” is a question that is invariably on the minds of a lot of current and prospective credit card owners. Is there really a magic number? As with a lot of things in life, you will find that taking the middle path is the ideal, preferred option in this … Read more
Most of us are aware of late credit card payment consequences but don’t fully understand them until they hit us. And once they do, it is too late. Some of the damage done cannot easily be undone, even if this late credit card payment has occurred just once. We know that it is difficult to … Read more