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3 March 2023ByIn

The Impact of Closing a Credit Card Account on Your Credit Score

If you’re considering closing a credit card account, there’s one thing you should know: it could have an impact on your credit score. Whether you’re trying to improve your financial health or simply simplify your life, it’s important to be informed about the potential consequences of closing a credit card before making any decisions. In...
23 February 2023ByIn

7 Questions to Ask Yourself Before Applying for a Credit Card

Applying for a credit card can be an exciting yet complicated process. Taking the plunge into the world of credit cards is a huge step and it’s important to approach it with intentionality to ensure you are building strong financial habits and creating positive outcomes in your future. There are certain questions everyone should ask...
26 January 2023ByIn,

7 Tips to Make Sure You Don’t Overspend on Your Credit Card

How to Avoid Credit Card Overspending If you’re like most people, your credit card can be a lifeline when it comes to keeping up with day-to-day expenses or affording a large purchase. It’s important to pay attention to how you use your credit card—if managed improperly, using a credit card could mean spending more than...
24 December 2022ByIn,

Proven Tips and Strategies to Reduce and Pay Off Credit Card Debt

Credit card debt is a growing problem among many Americans. The average household carries around $7,000 in credit card debt and interest rates can range from 12% to 25%, depending on the type of card and the consumer’s credit score. Although most people think of it as a “convenience,” carrying high levels of credit card...
30 November 2022ByIn,

Building Credit History with Credit Cards – A Guide for Beginners

Having no credit history can be an obstacle when you’re trying to obtain a loan. It may be tough to get a loan, or credit card or find a place to live. You can start building a credit history by opening a basic credit card and using it responsibly. A credit card is a valuable...
22 November 2022ByIn

How to Stay Organized When Using Multiple Credit Cards?

It can be difficult to stay organized when you have multiple credit cards. There are so many different balances and due dates to keep track of. With multiple credit cards, it’s easy to become bogged down and wonder which card is right for each purchase — or even if you’re using the correct card.  It...
31 October 2022ByIn

Pros and Cons of 0% APR Credit Cards Everyone Should Know

0% APR credit cards offer a 0% annual percentage rate for a certain promotional period, typically ranging from 12-18 months. This can be a great option for those looking to make a large purchase or consolidate debt, as they can make payments without accruing interest. However, it is important to read the fine print and...
19 October 2022ByIn,

Tips for Effectively Using Your First Credit Card

Since making payments and purchases with the best credit card is convenient, your first card can be a first step towards building good credit and a strong financial future or a way to build a huge credit card debt. While financial experts suggest individuals start building credit as soon as possible when they are young,...
30 September 2022ByIn,

Credit Card Authorized User: Everything You Need to Know

Plenty of ways are available to build or improve credit scores. Like you apply for a secured credit card and pay your balance in full every month. Or you can opt for alternatives like reporting your monthly payments like house rent or utility bill payments to the credit bureaus. Keeping the current accounts running and...
27 August 2022ByIn,

Smart Ways to Build and Improve Your Credit Faster

A credit score is one of the important factors to measure someone’s financial health. It tells banks and lenders how responsibly you use credit and pay off your bills. The better your credit score is, the chances of getting loan applications or lines of credit approved are higher. People with good credit scores can also...
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