Credit Card FAQs
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Do you have to pay your balance at the end of each month?
No. You can make only minimum payments each month. You can see the amount of your minimum payment (as well as balance and available credit limit) on your credit statement, which you should receive each month.Continue »
I don’t have an actual location nearby but I heard that BJs.com has good deals. I was thinking about applying for their credit card but I have varying credit rates depending on which credit bureau you look at. I do not have bad credit but two reporting agencies have me in the fair range and one has me in the good range. Do you think I will be approved?
Many cards will look at your Vantage score which is basically a combination of all three credit bureaus. However, I could not tell you for sure how they decide, therefore I can’t tell you if you would be approved for their card. I can tell you that applying for a credit card usually results in […]Continue »
In this case you can have your cake and eat it too. Kmart has a customer loyalty program called Shop Your Way. Being a member of this program will allow you to earn points without using their high interest rate credit card. Using a reward credit card together with the Shop Your Way membership will […]Continue »
Special financing at Dillard’s is done through their credit card. So you would need credit that is worthy of receiving their card. Which I would expect to be fair credit in the least. However, I would avoid any kind of special financing. It is usually associated with hefty fees and penalties. Many store cards advertise […]Continue »
I would use caution whenever you see a no-interest option on a credit card. This is very different from a 0% APR promotional period on a traditional credit card. When the promotional period ends on a traditional credit card you will begin being charged interest on whatever your balance is at that time. When a […]Continue »
What is the best credit card for a fair credit?
There is no universal credit card offer that is definitely the best one for someone with fair credit. The thing is we all have different financial situations and credit histories even though they all tagged as “fair credit”. Moreover, your needs and the way you manage your credit cards also determine which credit card is […]Continue »
There are almost always better alternatives to using a store card. In this case you can earn rewards without their credit card. They have a customer loyalty program called BJ’s Perks. Membership in this program isn’t free; it costs $100. But a basic membership will cost at least half that and probably a little more […]Continue »
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