CREDIT CARD FAQS

Do you have a million questions jumbled up in your mind regarding credit cards and the credit card application process? Don't worry, you are not alone! Our site has been designed to be simple to use and navigate in order to eliminate any potential hassles and frustrations surrounding the credit card application process. Our experts have already taken it upon themselves to thoroughly analyze and evaluate all of the popular credit card available on the market today and have laid them out in an easy-to-understand format, touting the best features of each.
July 15, 2021
What is the best credit card for you depends on your travel habits and needs. You should consider several things before you apply for a travel credit card. Firstly, if you often fly with one airline, airline co-branded credit card may be a good choice. On the one hand, this type of cards often comes with travel benefits like lounge access, free checked bag and more. On the other, airline cards often have limited redemption options - you may redeem earned miles on this airline and its partners (if it has any).
May 11, 2021
You may find different credit card offers aimed at people with bad credit. It is important to understand your financial situation and preferences to recommend the best card for bad credit. First of all, you should consider fees and interest rates. You may choose from secured credit cards. They are easier to qualify as they often require a security deposit. The security deposit acts as a guarantee of your promise to pay and if you default on a secured credit card, the creditor will use your security deposit.
December 19, 2020
When you first face credit card issues, some phenomena can come as a bit of a shock. For example, balance transfers may seem unintelligible, but in fact they are quite easy to understand. You have a balance on card A and then you transfer it onto card B. Cards for balance transfers usually have low intro rate offers on balance transfers, so for the first time you may have even a 0% APR offer. That will allow you to pay off some or all of your balance with little interest and save quite a lot.
August 17, 2018
If you fly Finnair often (at least two or three times a year) a Finnair Plus Mastercard may worth it because the card has travel benefits like lounge access and inflight savings. However, if you do not fly with Southwest often, we recommend you consider travel credit cards and without an annual fee.
November 03, 2017
To choose the best business credit card you should think about your goals - what do you want to get from your credit card? There are plenty of options you may choose from. Business credit cards may help you earn rewards - cash back or travel rewards, may give you high credit limit and allows to save money with 0% APR. If you, for example, are a frequent traveler, consider airline co-branded business credit cards with additional benefits like priority boarding or free checked bag. Don't forget to take into account your credit score when choosing a small business credit card.
December 16, 2020

The credit card companies and banks do not have an obligation to send a copy of a credit report to consumers. You can call the company and ask them to send you a copy of your credit report. The company may or may not send you a copy, depending on their policy and practice.

You can get a free copy of your credit report once a year from each of the three major credit bureaus - TransUnion, Experian and Equifax.

June 29, 2021

Make sure you do not carry too much balance. It is recommended to use only up to 30% of your available credit. If you can pay off the card balance in full each month, do it. The less you owe, the better. If you have other credit accounts, make sure they are in good standing as well and you pay them accordingly. Keeping only one credit account in good standing won’t help your credit score. Note that there are other things that may lower your credit score: newly opened or closed credit accounts, bankruptcy, charge offs, loan default, late and missed payments, maxed out accounts, unpaid bills, or too many credit card applications at a time.

February 09, 2021
When you are thinking of applying for a credit card, all factors need to be taken into account, especially if you pay any fees for this card. With cash back cards, it's pretty simple - yes, in most cases they are worth it. Cash back cards give you plain and easy to use rewards that you can redeem on your purchases. So, basically you buy something and then erase its cost with your cash back.

If your card has got fees and you tend to carry a balance, first calculate your overall spendings. See how much cash back you will earn with your average spendings with this card and then deduct the fees and interest.
June 09, 2021

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 are all tagged as “fair credit”. Moreover, your needs and the way you manage your credit cards also determine which credit card is good for you. For example, if you need a credit card to improve your credit and you tend to overspend, we would not recommend you a credit card with rewards but a card without an annual fee and without rewards instead.

August 12, 2018
JetPrivilege credit card is available in India only. There is no credit card offered in the U.S. If you need a credit card to use for Jet flights, consider applying for a general travel rewards credit card. Many of such cards do not have an annual fee or the fee is waived for the first year. All in all, travel rewards cards come with sign-up bonuses and with a rewards program. They allow earning miles or points on travel and everyday purchases. Moreover, if you do not fly often, you can still easily earn miles for a reward airline ticket by simply shopping at your favorite places.
August 12, 2020
As of today we offer instant decision credit cards aimed at bad credit. But you can browse through the credit cards targeting good to excellent credit and choose a card you like best. It can take up to 30 days to process your card application. If you are approved for the card of your choice, it will arrive in the mail in 7 to 10 business days.
June 15, 2019
Click here and browse the low rate credit cards we have on offer. Consider 0% intro APRs on purchases and/or balance transfers and be sure to find the credit card right for you.
February 02, 2018
Today, there are a number of different credit card options for you to pick out from. However, you need to know about all your options and factor in different attributes before you can decide about which particular option you would want to opt for. Remember that when it comes to credit cards, it is important to look at the different options that you do have so that you can keep a track of your finances. An option that many people seem to be going in for these days is that of the Mastercard credit cards.
February 11, 2021
You can choose one of the credit cards for limited credit to make your credit profile better. Or you can consider secured credit card. Some card offers have no annual fee and pretty nice rewards programs. Thus, you may save more money than spent on the security deposit.
October 01, 2019

If you need to get cash, we wouldn’t recommend you consider credit cards, since they charge additional fees for cash advance. You’d better pay attention to personal loans. They generally offer lower interest rates than credit card's APRs.

March 25, 2019
A prepaid card is a payment card that you load with money before you can use it for purchases. Prepaid cards may look like credit cards, as they may have numbers, your name and Visa or MasterCard logo. But prepaid cards are different - you are not borrowing money, you are spending money you loaded onto the card in advance. Prepaid cards give you convenience of electronic payments.
April 07, 2020
The Merrick Bank Secured Visa® from Merrick Bank may help you build your credit if you use your card responsibly with no late payments. Your account activity will be reported to all three major credit bureaus. Moreover, you will be able to get your updated FICO® Score each month for free to track your score changes.
May 08, 2021
If you're getting your first-ever credit card, you'll want to look for a card that's designed for folks with limited credit, or no credit. It can take a little while to build a credit rating, but the good news is that it isn't hard to do. Getting a credit card is the first step. If you can find one that also earns rewards, even better. And don't worry – there are plenty of such cards out there. Look for a card with "student rewards" in the name.
April 22, 2021
You are right, the Allegiant credit card comes with $59 annual fee. However, they no longer charge the foreign transaction fee. If you want to have a credit card that you can use for miles earning for Allegiant Air flights, you should consider travel rewards credit cards that are not tied to any airline. These cards allow you to earn rewards on all purchases and redeem them for any flights you wish. You can also consider credit cards with no foreign transaction fees to see if there is the right credit card for you.
November 04, 2020
Travel protection features of Visa credit cards vary, depending on the card type you choose. All Visa credit cards offer standard benefits and security features like Travel and Emergency Assistance Services where you can receive help in finding a referral for medical, legal, and transportation assistance. This service is accessible for Visa cardholders from anywhere in the world at no additional cost.

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