Should You Get a Credit Card That Has Lots of Fees?

Credit cards can be very useful financial tools. They can provide a financial safety net between paychecks, quick funds in the case of an emergency, or simply a way to earn cash back or rewards for your regular spending. However, the major thing to always consider when applying for a credit card, or using one, … Read more

How to Decide if an Annual Fee Card Is Worth It For You

Annual Fee Card

With credit cards often come annual fees. We call this an annual fee card, and if you’re like most cardholders, you get wary when these fees come into play. Most people consider the cards without fees to be the best. So, how can you determine if paying this fee is worth it? This guide covers … Read more

What Is a Credit Card Utilization Rate?

Credit Card Utilization Rate

According to many financial experts, credit cards are the cornerstone of the American economy. Having and using a credit card is no longer a luxury left to only the wealthy in society. Almost everyone uses one at some point in their life. There are so many terms that come with credit cards. Have you ever … Read more

What Is Credit Card APR and How Is It Calculated?

Credit Card APR

One important factor that contributes to debt is your credit card APR, so it would pay to know more about how it works. APR, or the Annual Percentage Rate, is one of the most important rates associated with your credit card and should be considered when making all purchases if you don’t plan on making … Read more

A Quick Guide to Understanding Credit Card Interest

credit card interest

According to LendingTree, credit card debt in the US reached $986 billion in 2023. Credit card interest is really getting to people. The staggering numbers of credit card debt can certainly be overwhelming. The key to keeping your part of that grand total manageable is understanding how credit card interest works. Having a solid grasp … Read more