Credit Card Guides

Most Recent Credit Card Guides

Immediate Steps to Take When Your Identity is Stolen August 27th, 2021

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 […]

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Immediate Steps to Take When Your Identity is Stolen August 27th, 2021

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 […]

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Debt-to-Income Ratio June 28th, 2021

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 […]

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Other Credit Card Guides

How Does a Balance Transfer Affect Your Credit Score? March 16th, 2020

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, […]

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Secured Credit Cards – When You Should Prefer Them March 13th, 2020

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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Guide to Credit Card Minimum Payments March 9th, 2020

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.

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Credit Card Rewards Review – What Type to Choose March 6th, 2020

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 […]

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0% APR Credit Cards’ Pitfalls You Should Be Wary Of March 3rd, 2020

When choosing a credit card, one of the most important criteria for many applicants, apart from a $0 annual fee and rewards program, is the presence of a 0% intro APR period. In brief, once you apply for a 0% interest credit card and get approved, you can make purchases during the specified intro period, […]

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How to Build Credit in the U.S. If You are an Immigrant? February 29th, 2020

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.

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5 Signs You Aren’t Using Credit Cards Enough February 28th, 2020

If you pay for most of your purchases with cash, checks or debit cards and shun your credit cards, you probably think you’re being fiscally responsible.

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Variable APR on a Credit Card – What Is It? February 22nd, 2020

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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What Is an Annual Fee and How to Avoid It? February 12th, 2020

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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How to Build Credit at 18 February 8th, 2020

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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