7 Things You Need to Know Before You Get a Charge Card

Credit Cards

7 Things You Need to Know Before You Get a Charge Card

7 Things You Need to Know Before You Get a Charge Card

“Paper or plastic?” “Cash or credit?” “Credit or charge?” When it comes to how you spend your money, the first two questions may seem like no-brainers. Debit cards and cash can be great budgeting tools for those dealing with debt woes, while credit may appeal to disciplined spenders looking to build credit or earn rewards on their purchases. The last... Read More

How to Build Credit Without Going Into Debt

Credit 101

How to Build Credit Without Going Into Debt

How to Build Credit Without Going Into Debt

Unless you were born in some remote location and lived off the grid your entire life, it’s not news to you that good credit is needed to function in today’s society. Your credit history is what indicates your trustworthiness to lenders, stores, and even employers and landlords. Bad credit or no credit is a major... Read More

The Tricks to Getting Approved for Your First Credit Card

Credit Cards

The Tricks to Getting Approved for Your First Credit Card

The Tricks to Getting Approved for Your First Credit Card

There’s a lot to consider when applying for a credit card, especially if you’ve never had one. “New cardholders should focus on building a good credit history with their first card while avoiding taking on more credit than they can afford to repay,” Bruce McClary, the vice president of communications for the National Foundation for Credit Counseling,... Read More

How to Use Your Wanderlust to Build Credit

Credit 101

How to Use Your Wanderlust to Build Credit

How to Use Your Wanderlust to Build Credit

Love to travel? Good news: There are ways to put that wanderlust to use with a travel rewards credit card. Though travel rewards cards aren’t the easiest to get approved for as they require an excellent or good credit score, those who are able to snag one can use it to build better credit. (Just remember, before you apply it’s... Read More

How to Use Your Shopping Addiction to Build Credit

Credit 101

How to Use Your Shopping Addiction to Build Credit

How to Use Your Shopping Addiction to Build Credit

If you love to shop, you can use your fashion sense to build or even rebuild your credit. Store-branded credit cards are some of the easiest cards to qualify for and are often extended to those who have bad credit because they have lower criteria than traditional credit cards. Using them, especially if you’re loyal to a particular store, can bring... Read More

5 Ways New Grads Can Screw Up Their Credit

Credit Score

5 Ways New Grads Can Screw Up Their Credit

5 Ways New Grads Can Screw Up Their Credit

Graduation can be an exciting and exhilarating time, but if you thought the era of grades and scores was over, I have some bad news: It’s not. While the As and Bs are behind you, they’ve been replaced with another number … a tricky little three-digit number called your credit score. Your credit score is... Read More

How to Build Credit Without Student Loans

Credit 101

How to Build Credit Without Student Loans

How to Build Credit Without Student Loans

College graduates saddled with student loans may find this hard to believe, but there is one upside to having to pay back all that debt: It helps you build credit. That may seem like a small consolation — particularly if the balances you owe are even average — but credit can be hard to come by. Of course,... Read More

How to Use Your Cable Bill to Build Credit

Credit Score

How to Use Your Cable Bill to Build Credit

How to Use Your Cable Bill to Build Credit

Cable companies aren’t in the habit of reporting your payments to the credit bureaus, at least when it comes to your traditional credit reports. But if that’s something you want, there is a way to get those monthly bills to help your credit score. Simply put, consider paying for cable with your credit card. Unlike cable providers, credit... Read More

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