An increased credit card interest rate (or APR) means more of your payments go toward paying interest and less toward eliminating debt, but by simply asking you may get a reduced APR rate. Credit card issuers may be more willing to negotiate if you’re an established customer who consistently pays on time; don’t give up […]
Category Archives: Credit Cards
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May
May
Travelers looking to maximize the value of their airline miles may find them confusing, but savvy travelers can use rewards credit cards and other strategies to maximize the return from their points. Most airline miles earned can be redeemed on flights operated either by the same airline as well as its partners. No matter if […]
27
May
May
Consider your company’s financial needs and spending patterns when selecting a business credit card. For instance, rewards in certain categories or reduced introductory APR periods on purchases might be appropriate options. Employer cards and purchase protection plans may help make expenses easier to track; however, all cards come with associated fees and rates. Credit limit […]
27
May
May
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 […]
27
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 […]
22
May
May
Bank of America Unlimited Cash Rewards and Customized Cash Rewards credit cards both provide cardholders with generous cash back rewards. While the Unlimited Card provides a flat rate reward structure, the latter tiers its rewards accordingly. Cardholders may choose between direct deposit to their checking or savings accounts at Bank of America or credit towards […]
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, […]