Everything to Know About Getting a Study Abroad Credit Card

Studying abroad is a great way to experience a new culture and even enrich your life by learning new languages, and traditions, and broadening your horizons. While it may be a rewarding experience for many, it can also be a costly endeavor for a lot of people. This is why you need to choose the … Read more

Credit Tip of the Day – Don’t Close Old Credit Cards

A lot of us have an old credit card lying around in our wallets. Even though we do not use these cards anymore, we feel hesitant to close them. This might be attributed to the fear of damaging our credit score. This fear is completely justified as our credit score is affected significantly when we … Read more

Bank Accounts That Help Build Credit – Do They Exist?

Strong credit plays an integral part in your financial life. For obvious purposes like obtaining a credit card, car loan, or mortgage, most people think of good credit. But credit also plays a role in less obvious things, such as renting a car, apartment, or house. If you’re trying to build a credit score for … Read more

Improving Credit After Bankruptcy – Tips and Tricks

Bankruptcy is a complex legal process that can affect your reputation seriously and adversely. On the bright side, It won’t last forever, no matter how much damage is done to your credit. Bankruptcy remains on your credit report for seven to 10 years, but its effect diminishes as time goes by. Meanwhile, by taking some … Read more

Do Bills Build Credit? Learn More Here

Your credit score is determined from credit report data, so you want your reports to display a strong on-time payment history. But not every payment that you make will go to your credit reports. For example, gym memberships, health insurance premiums, cable bills, and others will not improve your credit even though you have been paying … Read more

Best Identity Monitoring – Learn About The Best Identity Theft Monitoring Services

Identity theft monitoring targets the unauthorized use of your personal details. Through this, professionals search for criminal activity that uses your name, address, social security number, and other information. They offer help in case your personal information is hacked or compromised. Other forms of identity monitoring are also available, such as dark web surveillance, change … Read more

What Are Corporate Credit Ratings?

A corporate credit rating is a numeric or quantified creditworthiness evaluation of a company. It shows investors the risk of a company falling back on its debt obligations or existing bonds. Rating agencies issue corporate credit ratings. By providing independent, objective evaluations of companies and countries’ creditworthiness, a credit rating agency or company allows investors … Read more

Learn All About Point of Sale Lending Companies

Making transactions online now is simpler than ever thanks to point of sale (POS) lending services contributing to the rise of the so-called “buy now, pay later” phenomenon. These schemes, which represent just a tiny percentage of the wider market for personal loans, allow clients to break the costs of large transactions into regular installments. … Read more

A Brief Guide to the Balance Transfer Fee

If you have used a credit card before, you have probably seen the phrase “balance transfer”. At times, there are fees and interest attached to a balance transfer, and at times there is a waiver on it altogether. Are the fees the same as the rates when it comes to balance transfers? And, what is … Read more

A Brief Guide to the Cash Advance Fee

Credit cards come with a number of fees for the range of transactions that you can do with the card. For example, cash advance fees can be costly and are important to pay attention to if you want to maintain your financial health when using your card. Cash advance fees are applied when you withdraw cash … Read more

Essential Things to Know About APRs

If you’re planning on applying for a credit card, there are a lot of things that you need to consider first. One of the major factors that you will need to think about to help you decide which credit card to apply for is the APR. APR stands for Annual Percentage Rate which is the … Read more

Learn How to Manage Multiple Credit Cards at Once

A lot of people have more than one credit card in their wallets. This is a pretty common occurrence, but can be one that carries high financial risk. Having many credit cards at once means that you are likely to use all of them regularly. This can increase your debt as it can be quite … Read more

Minimum Monthly Payments – What’s the Deal?

The minimum monthly payment is the least amount of money you are required to pay on your credit card account per month in order to remain in good standing with the credit card company. Making this payment on time is important if you want to avoid late fees and have a good repayment history reflected … Read more

These Are 3 Fees to Check for Before Ordering a Credit Card

Credit cards are perfect for use on a daily basis, but they come with many different fees that you must pay whenever you use the card. Sometimes it feels like there is a fee for every little thing you do with the card. Keeping track of all the fees you are paying on a credit … Read more