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What Fees Your Credit Card Conceals May 28th, 2020

Credit cards may be fraught with a dozen of different fees. Certainly, you may know what annual fee is, but if you are not used to thoroughly read card agreements, you probably have never paid attention to some other kinds of fees. Still, it is very important to be well-informed about all the fees that […]

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What Fees Your Credit Card Conceals May 28th, 2020

Credit cards may be fraught with a dozen of different fees. Certainly, you may know what annual fee is, but if you are not used to thoroughly read card agreements, you probably have never paid attention to some other kinds of fees. Still, it is very important to be well-informed about all the fees that […]

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Take These 4 Steps to Mend Bad Credit May 8th, 2020

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, […]

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Other Credit Card Guides

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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5 Easy Steps to Fulfill a Balance Transfer February 5th, 2020

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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Why You Shouldn’t Neglect a Concierge Service That Comes with Your Credit Card February 3rd, 2020

Imagine that you choose between two similar credit cards one of which does offer complimentary concierge services as a benefit while the other doesn’t. Would this be a decisive factor for you? Most likely not. Despite the fact that many credit cards have this perk in the rewards list, potential applicants rarely pay attention to […]

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6 Tips to Improve Bad Credit Score February 2nd, 2020

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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Rotating Rewards: The Key To More Cash Back February 2nd, 2020

When looking for a new credit card, most people want one that will give them the most rewards. But with so many different types of rewards credit cards to choose from, how can folks know which one is going to deliver the most bang for their buck?

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Secured Credit Card: How To Use It Right February 1st, 2020

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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A Guide to Bankruptcy January 26th, 2020

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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How to Lower Your Credit Card APR January 24th, 2020

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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