Credit Card Guides

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Variable APR on a Credit Card – What Is It? August 22nd, 2019

Even if you are new to the world of credit, you, probably, noticed that some cards’ terms contain the word “Variable” relative to interest rates. Most applicants tend to never pay attention to this addition and have no haziest notion about its exact meaning. However, credit cards with a variable rate are the majority. So what does variable APR mean?

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6 Tips to Improve Bad Credit Score August 2nd, 2019

If you have bad credit, you probably have already got to know all its fallouts. Most likely, you meet not only high interest rates on credit cards and denied applications but also difficulties getting a job, renting an apartment or purchasing a car. This is not the whole list. A bad credit score can seriously affect all spheres of your life.

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Guide to Credit Card Referral Programs July 22nd, 2019

Credit card referral offers is a great opportunity to earn additional money or bonuses like points, cash back and miles just for sending an invitation to apply for a particular credit card to your friends or relatives. Luckily, most major credit card issuers offer referral bonuses for their cardholders. If using these programs wisely, they may become a real gold mine. But what should you do to participate?

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Other Credit Card Guides

5 Easy Steps to Fulfill a Balance Transfer July 5th, 2019

Once you decide to apply for a balance transfer credit card in order to consolidate all your debts, get lower interest rates or earn more rewards, you most likely begin to wonder how to accomplish the whole balance transfer process and benefit from it. Let’s start with the basics.

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How to Convert Credit Card Rewards into Donations June 25th, 2019

Have you ever thought about contributing to charity? There are a lot of different ways to support benevolent institutions, and credit card rewards donations are one of them. A small piece of your rewards can become the very grain that will save someone’s life. And, luckily, donating your credit card bonuses turns out to be as easy as ABC since a lot of card companies take care of this issue.

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Secured Credit Cards – When You Should Prefer Them June 11th, 2019

If you need to build credit, a credit card is a sure method. But sometimes it’s hard to get a credit card having not so good credit score. That’s where secured credit cards come to the rescue.
Secured credit cards are very similar to general unsecured credit cards, except for one thing.

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How to Lower Your Credit Card APR May 24th, 2019

APR is an annual percentage rate or an interest rate you need to pay on your credit card for certain operations. There are some types of APR: a purchase APR, a cash advance APR and a balance transfer APR. They can either be different or the same.

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How to Build Credit at 18 May 8th, 2019

Is it necessary to mention once again that credit history has a great influence on many aspects of our life, from renting an apartment to buying a house? Good credit opens doors to more attractive credit cards offers with lower rates and amazing rewards, a better job, a mortgage on favorable terms and much more.

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A Guide to Bankruptcy April 26th, 2019

You might have never thought of ever facing such a thing as bankruptcy. However, each of us may have things going the wrong way one day and stay with a huge unpaid indebtedness. No matter how scary it is even to pronounce the word “bankruptcy”, it doesn’t look like a good idea to just leave it where it is and put yourself in a debt trap. Especially since our government takes care not only of lenders but also of the borrowers. In case of financial difficulties, you will be protected by law.

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What Is an Annual Fee and How to Avoid It? April 12th, 2019

The annual fee is a fee that you pay once a year just for using a credit card. Not all credit cards have an annual fee. As a rule, this fee is charged on travel credit cards, premium credit cards, and credit cards for bad or limited credit history.

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Guide to Discover it® Cash Back Bonus Categories in 2019 April 4th, 2019

Discover affords holders of some their cash back credit cards an opportunity to get 5% back on purchases of up to $1,500 per quarter after activation in certain locations rotating quarterly. As a rule, cards of that kind come with the highest rewards.

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How To Choose A Balance Transfer Credit Card March 15th, 2019

Balance transfer card is definitely the best credit card for reducing your debt. Such a card allows to consolidate your high-rates loans and credit cards and pay off the balance at a lower interest rate or even 0 interest rate during a limited introductory period.

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Secured Credit Card: How To Use It Right March 1st, 2019

Sometimes people with bad credit history are at a dead end and are looking for a way out. There are several options for people in a quandary. There are different types of credit cards. Here we want to show you the most common. A secured credit card may be the best option for people who […]

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