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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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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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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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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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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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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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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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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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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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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From transportation to living arrangements, your credit score affects every aspect of your life. If you have bad credit, there are plenty of things you can do to boost it. But where should you begin? Before you start your credit repair journey, review your credit reports and identify any issues that you need to address….
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Let’s face it: there are many aspects of your finances that are critical to your current life, as well as the future. And that definitely holds true of your credit score. If you don’t know your credit score and/or can’t remember the last time you checked it, now’s the time to take action. There are…
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Have you ever stopped to think about just how many credit card offers are available? How about how many issuers there are? What does this mean to you? As a credit card holder, it’s important to realize that credit card companies are competing for your business. There are many ways you can use this to…
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When it comes the perfect credit card, everyone has their own idea of what the word “perfect” means. Defining this early on puts you on the path to finding, applying for, and securing the perfect credit card that best suits your wants and needs. Depending on your level of experience with credit cards, you may…
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When using a credit card, you do so with the intention of paying back the balance in full. Even if it takes you a few years, you realize the importance of making good on your decision to borrow money. Unfortunately, things have a way of changing without notice, so you may find yourself in a…
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A balance transfer credit card isn’t something that everyone can take advantage of, but you may come to learn that it’s just what you need to improve your finances. As the name suggests, a balance transfer credit card allows you to move several balances under the same roof. For example, if you have a $5,000…
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As you begin your search for a credit card, you could easily slip into the camp that believes “one offer is as good as the next.” Nothing could be further from the truth, and that’ll never change. It’s nice to know that there are many types of credit cards. Not only does this increase the…
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