- 11 Things to Know Before Getting Your First Credit Card
1. The Best Credit Cards Aren’t for Beginners
Premium credit cards with high rewards and perks typically require good to excellent credit scores (690+) and longer credit histories.
Starter options:
Student Credit…
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- Major Differences Between Business and Personal Credit Cards
While business and personal credit cards function similarly, key differences can significantly impact their utility, especially for small-business owners or freelancers. Here's how they compare:
1. Credit Reporting P…
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- Guide to Credit Cards Terms
Credit cards are versatile financial tools that can help consumers manage expenses, build credit, or earn rewards. Here's an organized breakdown to help you navigate credit card options and choose the best fit for your …
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- How to Get Out of Credit Card Debt
Managing credit card debt requires strategy and determination. Follow these steps to take control and achieve financial freedom.
1. Find a Payment Strategy
Choose a method that motivates you and keeps your payments c…
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- How Is Credit Card Interest Calculated?
Credit card interest is based on your card's APR (Annual Percentage Rate) and your balance. It’s calculated daily and applies only if you carry a balance into the next billing cycle. Let’s break it down!
Steps to Cal…
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- What Is a Good APR for a Credit Card?
APR (Annual Percentage Rate) reflects the interest you’ll pay on your credit card balance. Here's a breakdown of what qualifies as a "good" APR and how to make it work for you.
1. What Is a "Good" APR?
Below the Fed…
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- Is a Gas Credit Card Worth It?
Gas credit cards may seem appealing, but general cash-back rewards cards often provide better value. Here’s a breakdown of your options and how to maximize savings.
General Rewards Credit Cards
Advantages
Higher Cash…
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- Are You Riding the Credit Card Float?
What is the Credit Card Float?
Definition: Using a credit card to pay for expenses this month and using next month’s income to pay it off, staying within the grace period to avoid interest.
Debt Warning: The float crea…
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- The Best Secured Credit Cards
What is a Secured Credit Card?
Requires a refundable deposit as collateral, which sets your credit limit.
Helps build or rebuild credit for individuals with poor or no credit history.
Can transition to unsecured…
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- The Best Credit Card Offers and Rewards
Consumer Reports analyzed 53 popular credit cards to identify the best options for various needs, from cash back and travel rewards to balance transfers. Here’s a breakdown to help you choose the best card for your life…
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- Choosing the Best Travel Credit Card
Key Considerations
Determine Your Travel Habits:
- Frequent flyers with loyalty to a single airline might benefit from airline-specific cards.
- Occasional travelers or those flying multiple airlines should consid…
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- How Many Credit Cards Should You Have?
Key Points
There’s no "perfect" number of credit cards; the right amount depends on your financial habits.
Credit scores aren't harmed by having too many cards, but having too few accounts can make it harder to build…
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- The Best Credit Card Buying Guide
Finding the right credit card means balancing rewards, interest rates, fees, and your financial goals. Here’s what to consider before applying for a new card.
Types of Credit Card Perks
Up-Front Bonuses
Cards offer ca…
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- Credit Cards Troubleshooting Guide
Using credit cards comes with its own set of challenges—technical issues, declined transactions, fraud alerts, billing problems, and account management difficulties. This guide covers common credit card problems, their …
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- A Simple Guide To Credit Cards?
Credit cards offer convenience, rewards, and opportunities to build or manage credit. Here's a detailed guide to understanding types, popular picks, and tips for choosing the best card for your needs.
Types of Credit C…
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