Credit Card Guides

A late payment fee is a fee charged by the credit issuer when cardholders fail to pay on time. It applies to both situations: when you didn’t manage to pay before the due date at all and when you did pay but less than the required minimum.

When one imagines the perfect credit card, it, as a rule, comes with a worthwhile rewards program. Rewards are one of the main advantages of credit card owning. And no wonder, since we all are so used to the pleasure of receiving bonuses and discounts during shopping. Therefore, everyone wants to have a rewards credit […]

If you have one or even several credit accounts with considerable balances and huge interest, probably, considering a balance transfer to consolidate those debts is the best way out. But before you apply for a balance transfer credit card, it’s not out of place to assess all possible pros and cons. And, first of all, […]

You’ve just successfully moved to the United States and it seems it’s finally time to breath. No such luck! No, we don’t want to frighten you. You shouldn’t take alarm and pack up your things back. Still, you’d better clearly understand that having good credit is just essential here and you can’t just stand aside.

When you apply for a credit card, there can be two possible outcomes: you get approved or you get denied. Of course, in case the second option takes place, you are most likely to become confused, disappointed or even angry.

After you make purchases with your credit card, there always comes a time when you have to foot the bill. A monthly credit card statement usually contains a lot of numbers that taken together make up your payments. Of course, you’d better understand and monitor them all, but there is one number that just calls for attention – the minimum credit card payment.

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?

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.

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?

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.

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.