3 Student Credit Card Mistakes

Credit Cards

3 Student Credit Card Mistakes

3 Student Credit Card Mistakes

Even though college campuses aren’t the playgrounds they used to be for card issuers recruiting customers, a lot of consumers still get their first credit cards as students. That means a lot of first-timer mistakes people make with credit cards coincide with a time in their life when they are just getting familiar with (or… Read More

What’s the Right Way to Close a Credit Card?

Credit Cards

What’s the Right Way to Close a Credit Card?

What’s the Right Way to Close a Credit Card?

The logistics of closing a credit card are actually quite simple: Call your card issuer’s customer service phone number and request an account closure. Whether you should be closing that account is a more complicated matter, and it’s a decision during which a lot of consumers make choices based on misconceptions that could damage their… Read More

How to Lock in a Super-Low Mortgage Rate

Mortgages

How to Lock in a Super-Low Mortgage Rate

How to Lock in a Super-Low Mortgage Rate

Mortgage rates have been trending upward for a few weeks, so if you’re starting the process of buying a home, now might be a good time to lock in your rate. Deciding when to lock isn’t just about market conditions, because if you’re not prepared to complete the loan process within a certain time frame,… Read More

10 States With the Least Affordable Homes

Mortgages

10 States With the Least Affordable Homes

10 States With the Least Affordable Homes

In most parts of the country, a family with a median household income should — ideally — be able to afford a median-priced home in that area. In fact, an analysis of county-level data from RealtyTrac showed that a monthly payment on a median-priced home was more affordable than fair-market rent on a three-bedroom unit… Read More

New Policy at America’s Biggest Banks Could Help a Million People Improve Their Credit Score

Credit 101

New Policy at America’s Biggest Banks Could Help a Million People Improve Their Credit Score

New Policy at America’s Biggest Banks Could Help a Million People Improve Their Credit Score

Bank of America and JPMorgan Chase, two of the nation’s largest banks, will update consumers’ credit reports to remove debts that had been eliminated in bankruptcy, the New York Times reports. Such bills often remain on a consumer’s credit report, despite being legally discharged and no longer owed, and they can seriously damage a consumer’s… Read More

What Do I Need to Apply for a Credit Card?

Credit Cards

What Do I Need to Apply for a Credit Card?

What Do I Need to Apply for a Credit Card?

Applying for a credit card is quite simple — it’s getting approved for one that can be difficult. You can never be certain an issuer will give you a credit card, but there are several things you can do before applying to improve your chances of approval. As far as the application goes, you could… Read More

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