The Right Way to Apply for a Credit Card

Credit Cards

The Right Way to Apply for a Credit Card

The Right Way to Apply for a Credit Card

You’ve probably heard by now that a credit card can help your credit, so long as you do all the right things with it. What you may not realize is that the process of doing the right things starts before you ever get your plastic. Each credit card application typically generates a hard inquiry on... Read More

Do You Start With a Credit Score of ‘0’?

Credit 101

Do You Start With a Credit Score of ‘0’?

Do You Start With a Credit Score of ‘0’?

When you think about it, credit scores have a lot in common with the SATs: They stress people out, involve tough-to-answer questions and play a huge role in determining whether your applications (albeit for financing) get denied. There’s another notable similarity, too, which you may not know about: When it comes to credit scores, you can’t get a zero. The... Read More

4 Credit Score Myths That Are Totally Wrong

Credit 101

4 Credit Score Myths That Are Totally Wrong

4 Credit Score Myths That Are Totally Wrong

We all know that your credit score is really important, so it’s no surprise that you’d want to increase your credit score whenever possible. First, it’s important to know what your credit score says about you. It’s a measure of your creditworthiness. It’s not a measure of your wealth. It’s not a measure of how... Read More

Which Credit Card Should I Close?

Credit Cards

Which Credit Card Should I Close?

Which Credit Card Should I Close?

Perhaps you finally got yourself out of credit card debt — congratulations, by the way. Or maybe you’re simply running out of room in your wallet for the stack of plastic you have. No matter what the reason, if you’re considering closing a credit card account, consider this first: “In most of the cases we see,... Read More

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