If you have never owned a credit card before, you are probably wondering how they work. Basically, you “borrow” money from a financial institution to make purchases and then pay at least a percentage of the money after a given period. The remaining amount is what accrues interest. However, this can be avoided by paying … Read more
If you are starting out in the world of credit cards or are a student feeling confused about which credit card to go for, then this is the right place for you. We have carefully selected cards that have minimal requirements, and are also user-friendly. They give users perks in the form of rewards, cash … Read more
Credit cards offer their cardholders a variety of different rewards. Two of the main types of rewards are cash back and travel rewards. Both offer great opportunities to earn while you spend. Whichever one works for you is highly dependent on your spending habits and your lifestyle. Finding out the advantages of each and how they each … Read more
When your credit card is stolen, it requires immediate action. You will need to take steps to protect yourself, and your finances, from being taken advantage of. A missing credit card in the wrong hands can wrack up thousands of dollars in charges and could leave you on the hook to pay it all back. This … Read more
A credit freeze, which is also referred to as a security freeze, allows you to restrict access to your credit report, thus allowing you to fully take control over your financial information. By freezing your credit account, you stop the release of your credit score and other reports. If you opt for a credit freeze, … Read more
What if you could find a lender that doesn’t necessarily want proof that you can pay back what you owe? Think of it; most credit cards will want you to provide some proof that you can pay back the amount you borrow. However, you may not always be able to provide this proof. When you … Read more
Being that credit cards are the cornerstone of the American economy, you’d expect there to be one for every event. There are obvious ones for traveling, grocery shopping, and even for gas and many others. With that in mind, wouldn’t it be better to have one that is specially designed for family use? Of course, … 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
Many people choose to use credit cards because of the ample benefits they offer. If you use your credit card responsibly, it’s an alternative to money that can give you cashback and other benefits. Aside from that, credit cards also offer other perks and securities that simply using cash does not provide you with. If … 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
China, in the recent past, started accepting credit cards mostly in the big cities of Hong Kong, Beijing, and Shanghai. This comes in as good news for both tourists and business people who don’t like traveling to China with large sums of money. However, when traveling to China, it’s essential to note that not all … 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 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