Does Applying For A Credit Card Hurt Your Credit?

It can be tempting to apply for multiple credit cards in a short timeframe. You can use them to rack up the welcome offers for a lavish vacation. Or they can be used to receive some nice statement credits when making large purchases. While the short-term rewards can be the deciding factor when comparing two[…]

How To Prevent Your Card Being Canceled By Credit Grantor

Not everyone uses their credit card on a regular basis. But imagine the shock if you need to use your credit card and find that it has been canceled by a credit grantor. You hear horror stories of people vacationing overseas and discovering this problem, then spending hours trying to fix it. Unfortunately, the credit[…]

Why You Should Apply for a Business Credit Card

If you own a small business, you probably should consider establishing some credit in the name of the business, rather than relying entirely on your personal credit. You might be surprised to know that fewer than 50% of small business owners are using business credit cards that are in the name of the business and[…]

You May Be Eligible For A Credit Card Retention Bonus

Earning miles and points from your credit card is fun—especially when the annual fee is waived for the first year. Once that anniversary comes around, however, you may be required to pay an annual fee—which might not be what you planned. Since you have earned tons of points, you don’t want to simply cancel the[…]

Why Your Credit Score Might Dip When You Pay off Your Debt

When you start reading the advice of financial advisors, you will discover that most of those experts agree that the first step toward getting out of debt is paying off your credit cards. This will make your budget more flexible when you do not have to make credit card payments each month. But what they[…]

Which Credit Card Debt Should You Pay Off First?

If you have a number of credit cards with balances on them, you might feel overwhelmed by having a large number of monthly payments or a total balance that is higher than you are comfortable with. If you have finally decided that it is time to take action and pay off some of this debt,[…]

The Sam’s Club MasterCard vs. Other Cash Back Cards

Everyone loves a cash back card, which is why so many banks and stores offer them to customers. It used to be just the big banks that gave cash back rewards based on spending. Now it is common for stores to get in on this market and get more customer loyalty in the quest for[…]

Will Canceling My Credit Card Hurt My Credit Score?

We’ve all heard the importance of paying close attention to our credit scores. Many of the credit card companies are beginning to catch on to the importance of having consumers keep it in control, and helping them track it—whether on a monthly statement, like Discover, or through the online account, like Chase and US Bank.[…]

Using your credit card to pay your bills? When it’s a good idea and when not

Apart from being an effective means for availing short-term loans whenever you’re in a financially tight situation, credit cards can also provide a great deal of convenience. By using your credit card for majority of your day-to-day purchases, you can avoid the need of carrying large amounts of cash and/or writing checks. What more, you[…]

Lies you tell yourself to pile up credit card debt

Although credit cards may seem like a necessity to many, they actually aren’t! If you’re someone who just can’t do without them, here are the probable lies you may be telling yourself for piling up credit card debt over a period of time: It’s a great deal! Bargains are excellent, but you must never use[…]