Category Archives: Credit Cards

If you are having difficulty making payments on your credit cards, hardship programs may offer relief. Before approaching the lender or card issuer for assistance, however, be sure to explore all other alternatives such as cutting expenses or creating an affordable budget plan. Hardship programs are in your creditors’ best interest as they can encourage […]

If you have outstanding credit card debt or need to make a substantial purchase, the U.S. Bank Visa Platinum card could help save money with its 0% APR offer on balance transfers and purchases as well as its no annual fee structure and cellphone protection coverage of up to $600 per claim with only $25 […]

Websites may allow you to store your credit card details, making future purchases much simpler. While this can be useful, it also poses potential security threats. Most browsers allow you to edit and delete stored cards easily. These options can usually be found by clicking ellipses (3 dots), or going into full browser settings and […]

Responsible use of a secured credit card can have a positive effect on your credit score, but at some point, you may feel ready to transition away from it in favor of an unsecured card. Closing a secured card too soon could lower your credit score by decreasing average account age and credit utilization ratio. […]

American Express’ Blue Cash Preferred Card provides many families with substantial rewards in categories they regularly spend money on, while also offering travel benefits like secondary car rental loss and damage insurance as well as a global assist hotline. You must possess good to excellent credit in order to qualify for this card and its […]

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 […]

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, […]

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 […]

Only certain credit cards offer you the ability to choose and change your bonus spending categories monthly, although some cards might come with quarterly spending caps or lower regular APR rates that limit earnings. However, if you hold multiple large Bank of America deposit and investment accounts, considering which options could improve rewards rates may […]

Amazon shoppers have access to two cards designed specifically for them – an Amazon store card and Amazon Visa credit card – both offering various great benefits such as 5% cash back and special financing offers. Which Amazon store card should I choose from Synchrony or Chase? Both cards can only be used at Amazon; […]