7 Credit Card Tips for Soon-to-Be College Grads

Credit Cards

7 Credit Card Tips for Soon-to-Be College Grads

7 Credit Card Tips for Soon-to-Be College Grads

We get it, soon-to-be-grad, you’re busy. Finals need to be taken; dorm rooms need to be cleared out. Jobs need to be procured — as does your very first apartment. But amid all these big changes, you’ll also want to make time for some good old fashioned financial literacy. After all, money management is critical to... Read More

Got the Worst Credit? These Cards Can Help You Rebuild It

Credit Cards

Got the Worst Credit? These Cards Can Help You Rebuild It

Got the Worst Credit? These Cards Can Help You Rebuild It

[Update: Some offers mentioned below have expired. You can view the current offers from our partners here —OpenSky Visa Secured, Discover it Secured, First Progress MasterCard Select Secured, primor Secured Visa Gold and CreditOne Bank Visa credit card. Disclosure: Cards from our partners are mentioned below.] Chances are, your credit isn’t actually the worst. According to... Read More

Getting a Card With an Annual Fee? Here’s What You Need to Know

Credit Cards

Getting a Card With an Annual Fee? Here’s What You Need to Know

Getting a Card With an Annual Fee? Here’s What You Need to Know

[Disclosure: Review featured cards from our partners below.] Rebuilding your credit requires good financial behavior. You’ll want to make sure you’re paying bills on time and, once you do that, building a great credit score is a dance between using credit and keeping debt at bay. To that end, is it ever worth it to pay... Read More

5 Credit Cards That Can Help You Get a Fresh Start in 2017

Credit Cards

5 Credit Cards That Can Help You Get a Fresh Start in 2017

5 Credit Cards That Can Help You Get a Fresh Start in 2017

[Update: Some offers mentioned below have expired. You can view the current offers from our partners here — Credit One Unsecured Visa Card, Capital One Secured Visa, Indigo Platinum MasterCard and Discover it Secured.] The new year is officially here, and you’ve probably come up with a New Year’s resolution or two. If one of yours is to... Read More

5 Credit Cards You Can Trust Yourself With

Credit Cards

5 Credit Cards You Can Trust Yourself With

5 Credit Cards You Can Trust Yourself With

[Update: Some offers mentioned below have expired. You can view the current offers from our partners here — Discover it Secured, Capital One Secured MasterCard, First Progress Platinum Prestige Secured MasterCard and OpenSky Secured Visa.] Have you found yourself getting in over your head with your credit cards? If so, then you need to know you’re... Read More

RushCard’s New Security Features: What You Need to Know

Personal Finance

RushCard’s New Security Features: What You Need to Know

RushCard’s New Security Features: What You Need to Know

Almost a year after a glitch locked thousands of people away from their money and out of their accounts, the prepaid debit card provider RushCard is revamping for cell phone technology. With the new mobile phone app, customers have access to an account-freeze feature that allows them to temporarily put their accounts on hold if... Read More

How to Apply for a Credit Card When You’re Unemployed

Credit Cards

How to Apply for a Credit Card When You’re Unemployed

How to Apply for a Credit Card When You’re Unemployed

When you’re unemployed, applying for a new credit card is probably one of the last things on your mind. But even when you don’t have a job, you might still need a card for the security, convenience, rewards and benefits it offers. If you’re eyeing a new piece of plastic, read on to learn how to apply for... 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

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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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We take great pains to ensure that the articles, video and graphics you see on Credit.com are thoroughly reported and fact-checked. Each story is read by two separate editors, and we adhere to the highest editorial standards. We’re not perfect, however, and if you see something that you think is wrong, please email us at editorial team [at] credit [dot] com,

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