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Balance transfer credit cards can be a fantastic way to avoid interest charges while you pay off your balance, but they do have an important catch that can trip up prospective cardholders: Most credit cards offering promotional balance transfers impose a 3% balance transfer fee on the amount transferred, which gets tacked on to the new balance. Thankfully, there are just... Read More
As 2016 begins, now’s as good a time as ever for cardholders to ask themselves these five vital questions. 1. Do I Need a New Credit Card? There are several reasons why you might want a new credit card. First, there are new offers available all the time that might feature lower interest rates, generous rewards or attractive... Read More
There are a few ways the Federal Reserve’s decision to raise its benchmark interest rate will affect consumers, one of them being consumer debt. If you have a loan or credit card with a variable interest rate, you’ll probably see your APR and monthly payments rise along with the rate hike. Most consumers know what’s coming, but let’s... Read More
We often think of credit cards as a way to wind up in debt, but, if managed correctly, those little pieces of plastic can be powerful payment methods. Rewards credit cards, for instance, allow you to earn points, miles or cash back on purchases, while balance transfer credit cards can help consumers with big balances save on interest.... Read More
Each fall, automakers release new products for the next model year. There are always a few new models to get excited about, and nearly all cars receive some kind of update to encourage new sales. If only credit card users were so lucky. In the credit card industry, new products are released sporadically in response to changing... Read More
Did you spend a little too much over the holidays? If so, you’re probably nervous about opening up your credit card statements in January. Fortunately, there is a way to postpone repayment without incurring costly interest charges. There are many credit cards that offer new applicants 0% APR promotional financing on balance transfers. By law, these limited time... Read More
If you’re considering transferring big credit card balances to a card with a lower, or even 0% introductory interest rate, good for you. You already know it’s a chance to pay less in interest charges and whittle away at your debt. What you might not know are some of the following tips that can help you find... Read More
If you think using your new chip credit card is annoying, imagine what it’s like on the other side of the cash register. Well, you don’t have to imagine, because store clerk Dawn is going to tell you. As U.S. consumers and merchants get used to the new chip-enabled EMV credit and debit cards, there have been some hiccups... Read More
The approaching new year gives us all an opportunity to remedy financial mistakes — or at the very least, learn from them. But if you find yourself repeatedly visited by the ghosts of credit cards past, there’s a good chance you don’t know exactly where you’re going wrong. To help you break the cycle in 2016, here are... Read More
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