In the 21st century having a credit card is almost a requirement. How can you use your credit card without making the mistakes millions often do?
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Summer is the time for relaxing and exploring. If you are headed overseas this summer there are a few things about your credit cards you should know before you leave.
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A decade ago finances were in dire straits as the country was plunged into a recession. How have we fared since then? Probably better than you think.
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There are many factors that go into determining your credit score. One of the biggest factors is your credit utilization. Your credit utilization ratio makes up about 35 percent of your credit score - one of the biggest factors along with payment history.
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We all know that on-time payments and low balances are the key to a high credit score but what impact, if any, does the variety of credit and debt have on the score?
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Your credit score is made up of a myriad of factors to determine your credit health. What role do on-time payments play in that formula?
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When you are preparing a strategy to tackle debt there are so many options to consider. One of these is debt consolidation.
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Like many of us you have probably thought about what the best approach is when it comes to paying down debt. One solution is to take out a personal loan to pay down credit it cards - but is it more harmful than helpful?
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You’ve heard a lot of terms when it comes to credit and personal finance and not all of them are self-explanatory. Like the term ‘secured credit card’, what are those?
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The holidays are a big time for online shopping and using your credit cards. This means that it’s also a big time for credit and identity theft. What can you do to keep your information secure?
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When you open a new credit card it’s easy to be overwhelmed by all the bells and whistles that come along with it. While some perks are great, others aren’t quite perks at all.
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If you’ve ever been worried about your financial security you’ve probably thought about putting a freeze on your credit. Now you can do so without a fee.
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You may have avoided credit cards in fear of spending beyond your means, because you haven’t needed one or a history of late payments long ago. Either way having a good basic card active on your report is a good way to build up your credit.
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When you are looking at ways to improve your credit score you may look at your cards and think cutting them down is the best way to go. But how many credit cards should you really have?
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Life is busy; we all can't be on top of everything all the time. Making on-time payments on your debts are crucial to maintaining a good credit score so how can you make sure you never forget a payment again?
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Anyone who is looking to rebuild their credit is probably trying to use their credit cards as infrequently as possible. While paying cash is a great way to keep your spending in check there are a few charges that much safer going on your card.
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The first step to building up your credit score is to know as much information you can about your credit history and behavior. Checking your credit report is the first step to truly understanding where you have to improve.
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Building up and maintaining good credit can be complicated. Carrying a balance on one or all of your cards is almost inevitable but is it always a bad thing?
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Credit card theft is something that does not discriminate. But what can you do to avoid the most common areas of theft?
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If you are used to paying the monthly minimums on all of your cards having extra cash or an increase in income is a wonderful thing. But which of your debts should you focus on paying down first?
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