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Do You Really Need a Credit Card?

There are plenty of people who don’t use credit cards. For one reason or another, they feel that avoiding “plastic” is in their best interest. And there’s nothing wrong with that. You should always do what you feel is best for your financial health. So, the answer to the question “do you really need a…

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Should You Invest in Cryptocurrency?

Cryptocurrency investing has never been a hotter topic. More people than ever are diving in headfirst and asking questions later. While this isn’t the best approach, you should consider the benefits of this investment. If you’re on the fence as to what you should do next, review these five benefits of investing in cryptocurrency: 1….

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How to Prepare for a Recession

If you spend any time watching the news, you know that many people are fearful that a recession is on the way. While the word “recession” is sure to instill fear in you, it doesn’t have to hold you back from reaching your short and long-term financial goals. Here are five tips you can follow…

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Product Spotlight: Bright Money

Before we get into the finer details of what Bright Money can do for you and your finances, let’s examine its mission: Our mission: to double the wealth of middle-income consumers by enabling better financial decisions, powered by data sciences and behavioral design. Sounds interesting, doesn’t it? As you learn more about Bright Money, you…

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How much should I put on my credit card?

There’s nothing wrong with using a credit card. However, it can get you into a lot of trouble if you’re irresponsible. It’s important that you track your spending and do your best to pay off your balance every month.  Many people struggle with this question: how much should I put on my credit card? There’s…

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What is a Prescreened Credit Card Offer?

Even if you’re not actively in the market for a credit card, you may receive a prescreened offer by mail. This doesn’t mean that you have to apply for the offer. In fact, you’re likely to throw it in the trash and never think about it again. But of course, there are times when you…

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Card Spotlight: Upgrade Bitcoin Rewards Visa®

In today’s world, you can’t go a single day without reading a news story about Bitcoin (and other cryptocurrencies). Just the same, a growing number of people are beginning to get serious about crypto investing.  If you’re ready to take your love for Bitcoin to the next level, the Upgrade Bitcoin Rewards Visa credit card…

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5 Steps to Completing a Credit Card Balance Transfer

There are many reasons to consider a credit card balance transfer, including the benefit of consolidating all your credit card debt under one “roof.” If this is something that intrigues you, it’s important to learn how the process works. This allows you to move forward in a timely and confident manner. Here are the five…

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Card Spotlight: Grow Credit

Here’s how Grow Credit describes its service: Grow Credit offers a free Mastercard you can use to pay your subscriptions and build your credit. That’s pretty simple, right? Sign up for a free Mastercard, use it to pay for your subscriptions, and wait for your credit score to increase.  By reporting all on-time payments to…

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Credit Card Tips for Beginners

Carrying a credit card is a big responsibility. It only takes one slip up to harm your finances and bog you down for months or even years into the future. Fortunately, when you know what you should and shouldn’t be doing, it’s easier to stay the course and take advantage of the many benefits a…

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How to Build Your Credit After Bankruptcy

There is no way around it. A bankruptcy filing will drag down your credit score. However, if your score was already low to begin with — perhaps because of missed payments — it can only fall so much lower.  Regardless of your credit score before filing for bankruptcy, it’s imperative that you take action to…

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How to Manage Joint Credit Card Debt in Divorce

As a married couple, there’s a good chance that you have at least one joint credit card. And while there’s nothing wrong with that, it could turn into a point of contention in the event of a divorce.  There are many questions and concerns to address as you prepare for the divorce process, including how…

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Is a Debit Card Better Than a Credit Card?

There are times when a credit card is exactly what you need. For example, it’s helpful in the event of an emergency, such as a costly vehicle repair while away from home. However, don’t overlook the fact that there are many benefits of using a debit card. Here are five reasons why you may want…

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Take These Steps to Cancel Your Credit Card

There may come a point when you realize that it’s best to cancel your current credit card and move on with another offer (or none at all). While there’s nothing wrong with this, don’t overlook the fact that it could impact your credit history and credit score — and not in a good way. If…

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Card Spotlight: Fortiva® Mastercard® Credit Card

The Fortiva® Mastercard® Credit Cardd is an industry leader among those targeting consumers with less than perfect credit. Should you find yourself in this category, it doesn’t cost you anything — outside of a few minutes — to determine if you qualify for the Fortiva® Mastercard® Credit Card. The first step in obtaining this credit…

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Card Spotlight : Extra Card

Have you ever wondered if it’s possible to build your credit with a debit card? While it may have been impossible in the past, Extra has changed this forever.  With the Extra Card, you can build your credit and earn rewards points just as you would with a traditional credit card. The only difference is…

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How to Get a Credit Card Spending Limit Increase

Are you the type of person who uses their credit card for almost every purchase? Are you beginning to realize that you could benefit from a higher limit? Do you have questions about how to get a higher limit on the credit card that you already have? Generally speaking, there are four ways to get…

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