Credit Cards

If you’re looking for an in-case-of-emergency card or you need to make a big purchase soon that you might not be able to pay off right away, the low-cost Barclaycard Ring Card may be a great fit. There’s no annual fee, and no balance transfer fee. Plus, the card comes with a 15-month 0% introductory...

If you have average credit, the Capital One QuicksilverOne Cash Rewards Credit Card may be a great option. It is great for those who have had a credit misstep (or two) in the past few years. Keep in mind that it does have a $39 annual fee and a 24.99% APR. But, you’ll earn an...

If you’re a new grad, the Citi Double Cash Card is a great option. Depending on your credit, you can enjoy a variable 14.24% to 24.24% interest rate with no Annual Fee. The Citi Double Cash Card rewards you for paying the bills on time. Cardholders earn 1% cash back on purchases, then another 1%...

If you’re recently divorced, you have to make some new adjustments in your life. And if your ex used to make all the financial moves, you’re really in for a major adjustment. One of those adjustments being getting a credit card. If you’re looking for a solid rewards credit card that still has the training...

So, you want a credit card. Have you ever asked yourself, why? Knowing the answer to this question will determine the kind of credit card you should get. For instance, are you looking to earn rewards? If so, you should look for credit cards that offer great reward points. Do you need extra money? If...

In order to have a credit score, you must have activity on your credit report. If there is no activity on your report, you cannot get a score. That’s why it’s important to have some type of activity every month. Activity does not mean you need to go into debt. You can make a small...

Sometimes a collection agency will agree to a pay for delete. This is also known as pay for removal and it is when a collection agency agrees to allow you to pay some or the entire amount owed and in exchange, the collection agency will delete the collection account from your reports. You’ll want to...

Before adding an authorized user to your account, be sure to establish rules around how to use the card. Some things to discuss with your authorized user include: • Will the authorized user have a physical card? • When is it acceptable to use or not use the credit card to make purchases or access...

There are several little-known benefits to adding an authorized user to your credit card account, including: •convenience •accruing rewards •sharing card perks and other benefits Many credit card companies offer lucrative bonuses and rewards for adding authorized users to your account. Adding another user to your account could add a few thousand extra reward points...

Did you get an offer for a credit increase, and now you’re wondering whether it’s a good idea to take it or not? It may be a good idea, but probably not for the reason you think. It’s not a good idea to accept it if you want to be able to spend more money....