Category Archives: Credit Cards

Credit cards provide business owners with the freedom and rewards to spend more and earn rewards, but managing multiple cards from different issuers can become cumbersome and challenging. Are You Missing Out on Sign-up Bonuses, Retail Loyalty Perks and Travel Benefits from your Current Issuer? So when does switching business card issuers make sense? 1. […]

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 […]

Credit cards can be an indispensable resource for college students, but they should be used responsibly. Students should look into opening cards that offer rewards programs in order to maximize their benefits. Student cards typically offer lower credit limits and may come without or low annual fees; some cards even come equipped with cash back […]

Capital One SavorOne cardholders may find this offer offers competitive cash back rates across several spending categories and an attractive introductory bonus, yet may not be suitable for everyone. WalletHub’s 100-point credit card rating system takes many factors into consideration when assessing whether a card is worthwhile, including its rewards rate of 4% across dining, […]

If you use credit cards for large purchases, make sure you can afford to repay the balance when due. Otherwise, this could raise your credit utilization rate and ultimately hurt your score. Credit cards are loans that provide access to a line of credit and charge interest, offering the potential of rewards on everyday expenses. […]

If your credit card company raises its interest rate unexpectedly, it’s essential that you understand why. In certain circumstances, timely payments could bring back down the rate after six months if that is possible. Banks typically give 45 days’ notice before raising your rate; however, there may be exceptions where this requirement does not need […]

Amex Gold is an excellent option for travelers looking to earn rewards while dining and grocery shopping abroad, offering one of the highest earning rates, including 4x points at restaurants globally and US supermarkets (up to an annual cap of $25,000). Cardholders of Amex Gold also can take advantage of global assistance benefits, including access […]