Category Archives: Credit Cards

International students studying in the US can use credit cards as an effective tool to build their credit history, making accessing other financial products such as loans or mortgages much simpler in the future. Most credit cards require an SSN for approval; however, some card issuers accept an ITIN as an acceptable alternative. Eligibility requirements […]

Business credit cards are an ideal way to separate personal and professional spending, and may offer special perks tailored to small-business owners. But the way in which you use it matters as business purchases will be reported to different credit bureaus, which could have different impacts on your score. Furthermore, business cards may offer enhanced […]

Citi Diamond Preferred Card provides one of the longest 0% APR periods available for balance transfers, making it an excellent way to reduce debt. Plus, it comes equipped with great perks such as FICO score monitoring and cell phone protection when used to pay bills! 1. Long introductory APR on balance transfers Balance transfers offered […]

Most secured credit cards require an initial security deposit when opening. This amount serves as your credit limit and will typically be returned when closing or upgrading to an unsecured card after showing responsible use over time. Your deposit payment options generally include bank account transfer, check or money order. How much you owe will […]

Metal credit cards offer an exclusive look in your wallet, yet their fees can be steep. Luckily, many credit card issuers provide prepaid envelopes so you can return it safely for disposal. But you should avoid simply tossing it away or running it through a home shredder – this could leave personal information vulnerable to […]

The OpenSky Secured Visa Credit Card can be an ideal solution for borrowers who cannot qualify for traditional credit cards due to poor credit or ineligibility, making approval easier and quicker for applicants with bad credit histories. Additionally, this service reports to all three credit bureaus, helping you build up a positive payment history with […]

WalletHub reports that most colleges charge fees for credit card payments. Notable exceptions are part-time students at Boston University who accept them without charge and schools using third-party payment systems such as Plastiq that assess an additional percentage fee on payment amounts. Credit cards provide rewards, but paying tuition with plastic may not be your […]

Credit card companies tend not to permit customers to directly pay off their debt with another credit card as it can be cost prohibitive and lead to debt revolving through accounts indefinitely. Balance transfers and cash advances offer solutions, and can potentially save money while earning rewards – however they should only be used with […]

Social Security numbers are essential tools in the United States for numerous tasks, including applying for credit and building your credit report. But what happens if you don’t have one? Some credit card issuers accept alternate forms of identification for credit cards; American Express for instance offers international students and those with Individual Taxpayer Identification […]

Before applying, it’s wise to carefully weigh both its benefits and obligations before making your decision. Applying for your first credit card typically involves filling out an online application with personal details such as date of birth, Social Security number and address. Some cards may require income and employment details as well. Get a credit […]