There are a lot of different credit cards out there, and they're all trying to get your business. Now, they don't just allow you to pay for your purchase at a later date, they also offer a myriad of different rewards, from cash back to airline miles to purchase credits at certain stores.But with all of those perks and rewards comes a variety of interest rates, and it tends to be that the better the rewards, the higher the interest rate. If … [Read more...]
The Best Credit Repair Hacks
Where would the best credit repair hacks come from? For our purposes here, the definition of “credit hack” has a lot to do with legal ways to fix your own credit without resorting to having to pay a third party. So who has the best credit repair advice?How about the credit bureaus themselves? The three major credit reporting agencies Equifax, TransUnion, and Experian all have official pages with credit education resources that can help you … [Read more...]
Don’t Make These Four Credit Mistakes
Are you trying to repair your credit? Are you considering a major credit application such as a car or truck loan? Don’t make these four credit mistakes and you will get much better results from your efforts to get a better FICO score.Some credit fundamentals are fairly obvious: always pay on time to raise your credit scores, don’t carry credit card balances close to the maximum, and check your credit report on a regular basis. But after these … [Read more...]
Should I Get a New Rewards Credit Card?
I have written here before of my love of credit card rewards. I put the majority of my expenses onto credit cards (basically every expense that won’t charge me a fee for using a card) and I pay off the cards every month. The best way to use rewards cards Now, I’m far from an expert card user. I have two credit cards with differing rewards. Essentially, I have one card that I use for recurring bills and another card I use for everyday expenses. … [Read more...]
How to Monitor Recurring Payments
I don't know about you, but I've seen a lot of advertisements lately for apps and programs that can analyze your credit card account and bank account and notify you of recurring payments that you may have forgotten about.In general, this is an awesome idea. You absolutely shouldn't be paying for services that you aren't using. And I'm sure it's something that many people do.However, you don't need a special app to do it. Privacy … [Read more...]