Credit Cards

5 Credit Card Perks You Should Take Advantage of (and 5 to Avoid)

Figuring out your credit card’s interest rate and what some of the card’s best perks are should be easy. Both should be listed in promotional material, with the interest rate also listed in a separate contract and on billing statements. Other information, such as

Should You Ever Use a Credit Card for Emergencies?

Not having any cash on you or forgetting to pack a lunch can seem like an emergency when you’re hungry at lunchtime. Having a credit card can save the day by paying for a small, manageable expense. A credit card can also come to

How to Get Your First Credit Card

You probably won’t remember getting your first credit card as much as you do other firsts in life: Date, job, getting your driver’s license, buying a home, and others. But it could set the path for how some other life decisions play out. Your

Can Business Card Cards Hurt Your Personal Credit Score?

A business credit card can be an invaluable tool for business owners. It can allow them to put expenses on credit that can be paid later when they’re paid by customers, making cash flow problems easier to manage. But if not used well, a

Is It Better to Pay off Your Credit Card or Keep a Balance?

Credit card users can find themselves looking for every trick in the book to improve their credit score. The biggest and the best way is to pay the balance in full and on time each month. Lesser steps can help also, but the small

How Federal Reserve Interest Rates Affect Your Credit

The Federal Reserve raised interest rates in March to their highest level in a decade, and more increases are on the way. Higher interest rates will affect consumers in many ways — including car and home loans, though most borrowers who have those loans

A Secret Your Credit Card Company is Unlikely to Tell You (Unless You Ask)

Being at the bottom of a pile of credit card debt can be overwhelming. Making just the minimum monthly payment can be difficult, putting the long-term goal of paying off the credit card completely almost too far to see. Chances are your credit card

Are The New Credit Card Chips Working to Prevent Fraud?

Those annoying, beeping and longer stays at the checkout counter when inserting a chip credit card into a clunky machine that may or may not work are paying off in one big way — less fraud. Chip cards, also known as “EMV” cards for

Are Zero Interest Balance Transfer Credit Cards Going Away?

If you’ve ever considered moving credit card debt from a high-interest card to a balance transfer credit card that doesn’t charge interest for a year or more, you’re not alone. Transferring a balance to a credit card that doesn’t charge interest for six to

How to Get a Credit Card as a U.S. Immigrant

Running a small business or just being an everyday consumer can be difficult without having a credit card. It can help pay for things before you have the money in hand, such as business owners who need to buy supplies before being paid for