Category: Credit Tips

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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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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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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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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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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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What Do You Want From Your First Credit Card?

As you begin your search for your first credit card, it’s easy to get lost in all the “bells and whistles” associated with the many offers you come across. To improve the likelihood of making the right choice, you must exercise patience as you compare offers.  Here are five questions you can answer to help…

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How to Avoid Overspending With Your Credit Card

With a credit card in hand, it’s easy to believe that you can purchase anything (or almost) that you want. And while this may be true to a certain extent, it doesn’t mean that you should do so. It may feel good at the time, but the money will eventually come due. At that point,…

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Credit Card Fees: What You Need to Know

Before signing up for a credit card, it’s good practice to review the fee schedule and terms and conditions. Doing so will ensure that you have a firm grasp of what to expect as you begin to use your card. There are some credit card fees that you can’t avoid, however, these are few and…

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Things to Know Before Applying for a Credit Card

Applying for a credit card is a big step in your financial life. Make the right decision and this can be one of the best tools you have at your disposal. But make the wrong decision and you could soon end up regretting it. It’s important that you do what’s best for you when researching…

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Benefits of Paying Your Bills With a Credit Card

There’s no shortage of ways to pay your bills, but using a credit card — when it’s an option — is one of the best. You may not consider it the most exciting way to use your credit card, but that shouldn’t stop you. Here are three of the top benefits: 1. Convenience Gone are…

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17 Questions to Answer Before Applying for a Credit Card

It doesn’t matter if you’re applying for your first credit card or you have one or more in your wallet, it’s critical that you know exactly what you’re doing. While everyone will take their own approach to finding and applying for a credit card, there’s no right or wrong strategy. That being said, there are…

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5 Questions to Ask Your Credit Card Company Today

Do you have a credit card? Do you remember the last time you were in contact with your credit card company? Do you have questions that you want to ask? Most people don’t get excited about contacting their credit card company, but it’s not something you should shy away from. There are times when this…

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Should You Refinance Your Mortgage?

The question of whether or not you should refinance your mortgage can be a difficult one to answer. On one side of the argument, you know that there are many benefits (more on this below) to take advantage of. Conversely, it’s a tedious process that doesn’t benefit every homeowner in the same way. With this…

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First Time Applying for a Credit Card? Answer These Key Questions

Applying for your first credit card can be both exciting and stressful. On one side of things, you’re excited about the many ways a credit card can improve your financial life. Conversely, you have concerns about choosing the right credit card and using it in a responsible manner. Here’s the one thing to remember: there’s…

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What To Do If You Dispute a Credit Card Fee

There may come a point when you’re surprised to see a fee on your credit card statement. No matter how hard you try to figure it out, you don’t know why you were hit with the fee. Rather than chalk it up as a loss and hope that it doesn’t happen again, it’s best to…

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Credit Card or Debit Card: Reasons to Choose Credit

If you’re like most people, you have access to both a credit card and debit. And for that reason, you have to decide when to use each one. This sounds simple enough, but the wrong decisions can actually cost you time and money. Not to mention the fact that it can also add unnecessary stress…

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Is a Credit Card Right for You?

Credit cards have a notorious reputation as being sources of crippling debt and woe, but this isn’t the whole picture. Aside from being a quick source of emergency money when your refrigerator stops running, a credit card is also a valuable tool for managing cash flow and accessing other benefits like reward programs and insurance….

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How to Find the Best Credit Card

With so many credit card offers available, it can be difficult to find the correct one. Credit scores and payment history affect eligibility, but even similar products can come with significant differences. Use the following information to find the cards that work with your circumstances. Cash Bonuses If a signup bonus sounds appealing, read the…

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