These 4 Credit Cards Are the Best for New Graduates

Credit Cards

These 4 Credit Cards Are the Best for New Graduates

These 4 Credit Cards Are the Best for New Graduates

With graduation around the corner, you’re probably looking for ways to build up your credit. After all, it plays a big role in many financial decisions. You could always start with a secured credit card, which is ideal for those with a thin credit file or no credit. Or you could spring for one of the cards listed here,... Read More

5 College Degrees That Are Worth the Money

Students

5 College Degrees That Are Worth the Money

5 College Degrees That Are Worth the Money

There’s no doubt that college is expensive. In fact, the average cost per credit hour is $594, according to a new Student Loan Hero study on the cost of a college credit. For a typical four-year program, students will spend $71,335 on average. If you have to take out loans to pay for your own... Read More

7 Ways to Save Money at Applebee’s

Personal Finance

7 Ways to Save Money at Applebee’s

7 Ways to Save Money at Applebee’s

When I was younger, I was a huge fan of Applebee’s. Especially to save money while in college, my friends and I would catch a movie then go to Applebee’s for half-price appetizers. My personal favorite was the wings. They were so crispy and juicy. And they were half off! We would get a double... Read More

6 Reasons to Leave Your Car Insurance Company

Auto Loans

6 Reasons to Leave Your Car Insurance Company

6 Reasons to Leave Your Car Insurance Company

You might be familiar with a few scenarios that could make your auto insurance rates change: You bought a new car, moved, got in a car accident, or even got married or graduated from school. In all these cases, it’s important to shop around for car insurance to ensure you’re getting adequate coverage — at... Read More

14 Ways to Save at Ralph Lauren

Personal Finance

14 Ways to Save at Ralph Lauren

14 Ways to Save at Ralph Lauren

Polo shirts, button downs, florals and cable knit abound at Ralph Lauren, the go-to shop for anyone who loves preppy, classic fashion. With prices on the medium-to-high-end of the spectrum, it helps to find ways to save when shopping here. Here are a few. 1. Start With Sales It doesn’t hurt to start your shopping... Read More

Best Ways to Spend Your Graduation Money

Personal Finance

Best Ways to Spend Your Graduation Money

Best Ways to Spend Your Graduation Money

Graduation is right around the corner and that diploma may not be the only piece of paper graduates are excited to receive. If you’re among them, it’s likely your family and friends are eager to celebrate your accomplishment, and you may be expecting some gifts in the form of checks or cash. As tempting as... Read More

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Certain credit cards and other financial products mentioned in this and other sponsored content on Credit.com are Partners with Credit.com. Credit.com receives compensation if our users apply for and ultimately sign up for any financial products or cards offered.

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The Credit.com editorial team is staffed by a team of editors and reporters, each with many years of financial reporting experience. We’ve worked for places like the New York Times, American Banker, Frontline, TheStreet.com, Business Insider, ABC News, NBC News, CNBC and many others. We also employ a few freelancers and more than 50 contributors (these are typically subject matter experts from the worlds of finance, academia, politics, business and elsewhere).

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The Credit.com editorial team is committed to providing our readers and viewers with sound, well-reported and understandable information designed to inform and empower. We won’t tell you what to do. We will, however, do our best to explain the consequences of various actions, thereby arming you with the information you need to make decisions that are in your best interests. We also write about things relating to money and finance we think are interesting and want to share.

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Our Business Model

Credit.com’s journalism is largely supported by an e-commerce business model. Rather than rely on revenue from display ad impressions, Credit.com maintains a financial marketplace separate from its editorial pages. When someone navigates to those pages, and applies for a credit card, for example, Credit.com will get paid what is essentially a finder’s fee if that person ends up getting the card. That doesn’t mean, however, that our editorial decisions are informed by the products available in our marketplace. The editorial team chooses what to write about and how to write about it independently of the decisions and priorities of the business side of the company. In fact, we maintain a strict and important firewall between the editorial and business departments. Our mission as journalists is to serve the reader, not the advertiser. In that sense, we are no different from any other news organization that is supported by ad revenue.

Visitors to Credit.com are also able to register for a free Credit.com account, which gives them access to a tool called The Credit Report Card. This tool provides users with two free credit scores and a breakdown of the information in their Experian credit report, updated twice monthly. Again, this tool is entirely free, and we mention that frequently in our articles, because we think that it’s a good thing for users to have access to data like this. Separate from its educational value, there is also a business angle to the Credit Report Card. Registered users can be matched with products and services for which they are most likely to qualify. In other words, if you register and you find that your credit is less than stellar, Credit.com won’t recommend a high-end platinum credit card that requires an excellent credit score You’d likely get rejected, and that’s no good for you or Credit.com. You’d be no closer to getting a product you need, there’d be a wasted inquiry on your credit report, and Credit.com wouldn’t get paid. These are essentially what are commonly referred to as "targeted ads" in the world of the Internet. Despite all of this, however, even if you never apply for any product, the Credit Report Card will remain free, and none of this will impact how the editorial team reports on credit and credit scores.

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Credit.com is owned by Progrexion Holdings Inc. which is the owner and administrator of a number of business related to credit and credit repair, including CreditRepair.com, and eFolks. In addition, Progrexion also provides services to Lexington Law Firm as a third party provider. Despite being owned by Progrexion, it is not the role of the Credit.com editorial team to advocate the use of the company’s other services. In articles, reporters may mention credit repair as an option, for example, but we’ll also be sure to note the various alternatives to that service. Furthermore, you may see ads for credit repair services on Credit.com, but the editorial team isn’t responsible for the creation or implementation of those ads, anymore than reporters for the New York Times or Washington Post are responsible for the ads on their sites.

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Lastly, much of what we do is informed by our own experiences as well as the experiences of our readers. We want to tell your stories if you’re interested in sharing them. Please email us at story ideas [at] credit [dot] com with ideas or visit us on Facebook or Twitter.

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- The Credit.com Editorial Team