Credit Cards

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3 Ways a Credit Card Can Improve Your Credit Score

3 Ways a Credit Card Can Improve Your Credit Score

3 Ways a Credit Card Can Improve Your Credit Score

Credit cards are convenient and can provide more flexibility in your monthly spending, but they’re also great for establishing and improving your credit. You probably already know that using a credit card carefully and paying your bill on time without fail can build your credit score, which is increasingly necessary to rent an apartment, buy... Read More

When Should I Get My Next Credit Card?

When Should I Get My Next Credit Card?

When Should I Get My Next Credit Card?

Timing can be everything. When it comes to making some purchases, you will want to wait until an item goes on sale or at least act before its price jumps. And when you replace some things, you will want to wait until you’ve gotten as much useful life out of the product as you can... Read More

Can Asking for a Higher Credit Card Limit Increase My APR?

Can Asking for a Higher Credit Card Limit Increase My APR?

Can Asking for a Higher Credit Card Limit Increase My APR?

Your credit card limit can have a huge impact on your credit score, because one of the most important factors in credit scoring is how much of your available credit you use. As such, requesting a credit-limit increase is an often-cited tip for improving your credit score (assuming you don’t also increase your credit card... Read More

6 Ways to Avoid Getting Rejected for a Credit Card

6 Ways to Avoid Getting Rejected for a Credit Card

6 Ways to Avoid Getting Rejected for a Credit Card

It can hurt to have your credit card application rejected. Not only will you be denied an account with the line of credit, rewards or benefits that you had hoped for, but it can feel like the card issuer has judged your entire financial worth, and found you unfit. Thankfully, there are many parts of... Read More

Want the New Citi Costco Card? Here’s What You Should Know

Want the New Citi Costco Card? Here’s What You Should Know

Want the New Citi Costco Card? Here’s What You Should Know

As of Monday, the Costco Anywhere Visa Card and Costco Anywhere Visa Business Card, both issued by Citi, replaced the TrueEarnings Card from Costco and American Express as the retailer’s rewards credit cards. Replacement cards have been sent to existing TrueEarnings cardholders since May, but prospective customers can now apply for the new Citi cards online. (Full Disclosure: Citibank, American Express, Bank... Read More

The Real Reasons You Were Rejected for a Credit Card

The Real Reasons You Were Rejected for a Credit Card

The Real Reasons You Were Rejected for a Credit Card

Many consumers dread being turned down for a credit card. But what you may not realize is that you actually can control a great deal of the factors that go into the credit issuer’s decision. Of course, it’s hard to get issuers to explain their criteria because it’s essentially their secret sauce, or how they do business. But after speaking... Read More

An Easy Way to Compare Annual Fee & No Annual Fee Credit Cards

An Easy Way to Compare Annual Fee & No Annual Fee Credit Cards

An Easy Way to Compare Annual Fee & No Annual Fee Credit Cards

They say you get what you pay for, but does that hold true for credit cards? Some people refuse to pay an annual fee just to have a credit card while others pay annual fees for a credit card that they feel is worth it. So which type of card is better? When deciding whether to pay an annual fee, you need to... Read More

Ally Bank Has a New Cash-Back Credit Card Too

Ally Bank Has a New Cash-Back Credit Card Too

Ally Bank Has a New Cash-Back Credit Card Too

It was a big week for cash back rewards credit cards. Wells Fargo released their cash back credit card on Wednesday and the next day Ally Bank announced the Ally CashBack credit card. The Ally CashBack card, issued by TD Bank, offers 2% cash back on eligible gas and grocery purchases and 1% cash back... Read More

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