Credit Card Guides

Effective ways to consolidate your debt. Trying to pay off debts is tough, especially if you have several debts with steep interest rates. Debt consolidation is something you might want to think about in order to streamline your debt and cut down on your monthly payments. Debt refinancing is the process of taking out a […]

The holiday season is a time when many Americans spend big on dearest friends, relatives, and themselves. During the festive fuss and buzz, it’s easy to fall into the urge to spend and buy more than you can afford. However, if you don’t want overspending to set you back financially in the new year, here’s […]

If you frequently make online payments but remain concerned about your sensitive bank account details, virtual credit card or digital wallet services can give you the added layer of protection you need. A virtual credit card (VCC) is an online only version of your debit or credit card. It’s not a physical card, but a […]

Reaching your goals alone can be tough. Especially for someone with a limited or bad credit history or a large debt, attaining the next financial milestone may seem out of reach. Adding another person to your account can give you the boost you need. There are different ways to share a credit account with another […]

Without a doubt, every credit cardholder is not averse to earning some rewards or other benefits while building their credit history. And everyone knows that almost all good or excellent credit credit cards can ensure this.

It is absolutely true that bad credit can cause a lot of inconvenience and problems. Having poor credit history, you will not likely get approved for credit cards with great rewards and perks, high credit limits, and low APRs. Moreover, you may even face hardships while renting a house or looking for a job. Fortunately, […]

Each of us probably has a credit card in the back corner of your wallet that you haven’t used for a long time. And more than once you may have thought about whether you should cancel that card. But closing a card might not be the smartest thing to do, as this move could certainly […]

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.

Personal data is any information that obviously relates to a particular person and can be used to identify them. It is a key aspect of online identity, but unfortunately, it can be exploited wrongly. Some individuals might steal personal data to hijack mailboxes, create fake documents, and use people’s contact information to harass them. Cybercriminals […]

Millions of Americans are at risk of identity theft every year. It’s a growing problem in the U.S., especially during the pandemic as identity thieves are targeting relief checks and unemployment benefits. Identity theft occurs when someone steals your personal information such as your Social Security number, bank account number or credit card information. There […]

In addition to the credit score and credit report, your debt-to-income (DTI) ratio is another important factor in your overall financial health. The debt-to-income ratio is the percentage of your gross monthly income that goes to paying your monthly debt and is used by lenders to determine the risk associated with you taking on another […]