Category: Features and Benefits

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Clever Strategies to Make Ends Meet Until Payday

Life’s unexpected twists and turns can sometimes leave us feeling financially stretched, especially when the next payday is still a distant beacon. But fear not, as human creativity knows no bounds when it comes to finding ingenious ways to manage short-term cash shortages. In this article, we’ll explore some tried-and-true methods that individuals employ to…

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How to Repair Your Credit Score Using Credit Cards

Credit repair can often seem like a daunting task, especially when you’re not sure where to begin. This guide will help you navigate your journey to a healthier credit score using the tools available to you, such as credit cards. The following sections will provide a comprehensive understanding of your credit score, how it works,…

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Credit Card Fraud: Tips to Protect Yourself and Your Money

In today’s digital age, credit card fraud has become increasingly prevalent, with thieves constantly finding new ways to obtain and use your sensitive financial information. Whether it’s through stolen card numbers or compromised online purchases, the consequences of credit card fraud can be devastating and long-lasting. In this article, we’ll dive into the types of…

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The Ultimate Guide to Building Credit from Scratch (10 steps to take)

Building credit from scratch can seem like a daunting task, but it’s an important step toward financial independence. Your credit score is a measure of your creditworthiness and is used by lenders, landlords, and other entities to determine your ability to repay debt.  A good credit score can mean better interest rates, easier access to…

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5 Tips for Paying Off Debt Faster

If you had your choice, it’s safe to assume that you’d choose “no debt” over “debt.” It’s much easier to live a financially comfortable life when you don’t have debt dragging you down.  But of course, this isn’t a reality for most people. Most individuals look at their finances and realize that they have various…

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Credit Cards for College Students: Key Questions to Answer

Imagine this: you’re the parent of a college student who wants to apply for a credit card. At first, one word comes to mind: no. However, as you think about, you realize that there are several benefits of this arrangement.  In the end, only you can decide if a credit card is right for your…

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Are You Paying Too Much for Car Insurance?

Car insurance is one of those expenses nobody wants to pay. It’s also one of those expenses that never goes away (unless you stop driving). For that reason, you must secure comprehensive and affordable coverage from a reliable provider. The question of whether or not you’re paying too much for car insurance coverage depends on…

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Negotiate More Than Pay With Your Employer

There is likely to come a point in your career when you want to negotiate pay with your employer. While there’s nothing wrong with that, it’s not your only option. There are other things that you can negotiate, many of which could have just as much impact on your personal and financial lives. Here are…

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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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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 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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Reasons to Use a Balance Transfer Credit Card

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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There are Many Types of Credit Cards

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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Instant Approval* / $750 Line of Credit*

For many, times are tough and rebuilding good credit can be even tougher. The Group One Platinum Card gives consumers spending power when they need it most, all while establishing a positive credit file. The Group One Platinum Card is a catalog card issued by Horizon Card Services. While the card can only be used…

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5 Monthly Expenses to Pay for with a Credit Card

Do you have a credit card? Do you use it often, or generally look for other ways to pay your expenses? If you’re confident in your ability to responsibly use your credit card, it’s a good idea to consider the many monthly expenses to pay with it. Not only can this bring convenience and organization…

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Low APR Credit Cards – Simple Strategies

Credit is very powerful, as you know and when used correctly, it can become an asset to your life. The benefits of good credit is that you get to enjoy a low APR (annual percentage rate). A low APR credit card can save you thousands of dollars in interest charges in a years time. So…

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