The signal that the holiday shopping season is finally about to come to a close

The signal that the holiday shopping season is finally about to come to a close

We have all seen pictures of the infamous last-minute Holiday shoppers making the mad dash for last-minute gifts on Christmas Eve. This is the signal that the holiday shopping season is finally... Read more »
Can I order by credit card?

Can I order by credit card?

Yes, you can buy a money order with a credit card because banks and credit card issuers view this as a cash advance which can make it an expensive purchase that includes... Read more »



What credit card can I get?

What credit card can I get?

Which credit card you should get depends on several factors unique to you, your needs and your credit history. Don’t apply for the first card that comes your way; doing some research... Read more »
How Do I Calculate My Credit Utilization Ratio?

How Do I Calculate My Credit Utilization Ratio?

Your credit utilization ratio is calculated by adding all your credit card balances at any given time and dividing that by your total credit limit. For example, if you typically charge about... Read more »
How to Build Your Credit

How to Build Your Credit

Typically, credit card lenders want to see something on your credit report that proves you are able to manage credit before they give you a card. This means that lenders usually want... Read more »
Why Should I Get a Credit Card?

Why Should I Get a Credit Card?

Research shows that younger generations are becoming more likely to shun credit cards out of a strong aversion to debt. Essentially, when you buy something with a credit card, you are taking... Read more »
Credit Card Traps to Avoid

Credit Card Traps to Avoid

Credit cards can be important financial tools to help you make the most of your money and build credit—when used responsibly, that is. But if you’re not careful, credit cards can get... Read more »
What is the credit card fee?

What is the credit card fee?

Credit cards often have numerous fees, which can be confusing to consumers. When you are shopping online for a credit card, you should always click on the link for “Rates and Fees”... Read more »
How does closing account affect credit usage?

How does closing account affect credit usage?

While it can be tempting to simply close the old credit card altogether, doing so may have a negative effect on your credit scores. Here are some issues to consider and guidelines... Read more »
Why Credit Cards Charge Annual Fees?

Why Credit Cards Charge Annual Fees?

An annual fee is a fee you pay each year just for having a credit card, whether you use the card or not. Virtually every credit card charges fees, but not all... Read more »