Knowing when a credit card payment is due can be crucial. Failure to make payments by their due dates could result in late fees and lower utilization rates resulting in late fees being assessed against you and decreased credit utilization rates. Online and phone payments typically take several business days to process and reflect in […]
Category Archives: Credit Cards
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May
May
No matter your credit union membership requirements or needs, credit union cards offer many attractive features such as cash back rewards, low APR rates and debt payoff benefits that make them enticing options. Narrow down the possibilities by considering factors like welcome offers and foreign transaction fees when selecting your options. Credit unions tend to […]
27
May
May
Although its rewards values are lower than those on the Blue Cash Preferred card, this card still provides solid earning rates across multiple categories and an attractive welcome bonus for new accounts targeted specifically. Credit card users with smart accounts often select cards with generous signup bonuses – this one could offer up to $200 […]
27
May
May
Capital One Quicksilver Cash Rewards credit card provides unlimited 1.5% cash back on every purchase, plus an extra 5% when booking hotel and rental car reservations through Capital One Travel. Plus, cardholders will receive an instant $200 bonus after spending $500 in their first three months as members! This card is an ideal option for […]
27
May
May
Flat-rate cash back cards may be ideal if you prefer not to manage multiple rewards rates and categories for different cards, however it’s essential that your card selection matches with your spending habits and financial goals. Consider whether you prefer simplicity over category tracking or have a low spending limit to avoid annual fees, and […]
22
May
May
No merchant may store your credit card details without your express permission. Credit Card Processing Industry regulations (PCI) forbid retailers from storing any authentication data – like the security code on the back of Visa, MasterCard or American Express cards. Some clerks still write phone numbers and addresses on credit card sales slips as “store […]
22
May
May
Small business owners frequently rely on credit cards for convenience purposes – earning rewards, tracking expenses and providing employees with benefits like travel and rental car coverage. Though it may not be illegal to charge personal items on your business credit card, doing so could violate its cardholder agreement and lead to complications at tax […]
22
May
May
Credit scores have the ability to drastically affect your ability to secure loans or rental homes, open utility accounts, set up cellphone service plans and more. Therefore, it’s vitally important that you monitor and make timely payments on your credit score in order to stay eligible. An outstanding credit score is essential to qualifying for […]
22
May
May
Credit card balance transfer cards can help you lower debt and save on interest, but finding one with poor credit can be challenging. Consider alternative debt repayment strategies such as debt consolidation loans to improve your credit score and increase the odds of qualifying for a balance transfer card. Rates If you have poor credit, […]
22
May
May
Being an authorized user can help a person build or rebuild credit when used responsibly over a longer period. But there may also be drawbacks. As an account holder, it is your legal responsibility to pay off an authorized user’s debt if they miss payments or run up an excessive balance. 1. It can help […]