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Credit Utilization Calculator

Credit Utilization Calculator

Calculating your credit utilization ratio can tell your credit health. New creditors pay attention to this value which measures how much of your available credit you’re currently using. For example, if you’re using 50 pe...

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Secured Credit Cards To Build Credit

Secured Credit Cards To Build Credit

There’s an age-old saying that, “it takes money to make money.” Well, it also applies to credit cards and credit scores. You have to have a card to rehabilitate your credit score. Of course, if your score is too low, then you will l...

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Orchard Bank Credit Cards | NOT a Scam!

Orchard Bank Credit Cards | NOT a Scam!

Update: Orchard Bank Credit Cards are no longer available. Operating as a subsidiary of HSBC, most of HSBC’s credit card business was acquired by Capital One in 2012. I have had about a dozen people ask me if Orchard Bank cred...

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