Category Archives: Credit Cards

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 […]

If you want to avoid balance transfer fees, consider opting for a credit union. These nonprofit financial institutions provide similar features like banks do such as free checking accounts and ATM networks without fee charges for members. Local banks also tend to have lower membership restrictions and greater accessibility compared to big banks, making the […]

Credit cards are an indispensable financial tool that allow consumers to purchase products on credit and then repay the balance by its due date, without incurring interest and fees charges. If your card carries a high-interest rate, consider calling its company and asking them if there are any incentives or waivers they could offer as […]

Paying student loans with credit card can make sense in certain instances, provided you can earn enough rewards to offset payment fees and balance transfer fees. Furthermore, any balance transfer payments should not be considered cash advances. Here’s how: 1. Integrate an external payment service provider. 1. Use a third-party payment service Though it is […]

When opening a secured credit card account, typically an upfront refundable deposit must be made in order to unlock its credit limit. This deposit serves to reduce lending risk, with most issuers refunding this sum when you close or upgrade to an unsecured card account. Refund timing Security deposits on secured credit cards serve as […]