Is it a good idea to get a card for bad credit? One of the fastest ways to build credit if it’s in the dumps is to get a credit card. Go with a card that’s designed for people who specifically need to build their credit. There are tons of options out there. Go with […]...

Does Credit Card Debt Ever Expire? The short answer to that is no. Credit card debt doesn’t expire. Even if you are past the time frame where you can be sued, it doesn’t mean the debt has disappeared. As long as you own the money, debt collectors can come after you seeking payment....

If you have credit that’s in good standing and you want to get a leg up on paying down some debt, try a balance transfer. If you can transfer your high interest debts from an old card to a card that’s got a 0 percent APR introductory period, you’ll save yourself a lot of money […]...

There are 2 big mistakes people make when doing a balance transfer: 1 – They don’t leave the old card open. Just because you moved the balance to a new card doesn’t mean you close the old card. You want to keep that card open so it helps to reduce your credit utilization – which […]...

Card churning is a cool way to soak up tons of credit card perks. Usually, the person signs up for multiple credit cards. The kind with multiple perks and then only use them for as long as the perk available. As soon as all the introductory bonuses are used up, they no longer bother with […]...

If you’re looking for a rewards credit card that’s right for you, follow the steps below. In part 1, we covered that you should immediately cross off your list, non-rewards cards and cards without sign up bonuses. Take a look at the other 3 determining factors. 3 – Make sure you understand the...

Rewards cards are the best. They can provide you with all kinds of benefits including free travel perks and hotel stay. To find the best card for you, follow these 5 steps: 1 – Cross non- rewards cards off your list. You don’t want to waste your time with cards that don’t offer any great [&hel...

If you have good credit, you may be wondering how to make this work for you in other ways besides just getting a mortgage. There are plenty of ways you can make your good credit work for you: For one, you can use your credit to allow someone close to you who doesn’t have good […]...

In the credit world, piggybacking is when you allow someone with poor or average credit be listed as an authorize user on your credit card account in order to help them improve their credit. If you have a high credit score, you can list them as an authorize user, so that every time you make [&hellip...

If your credit score is in the dumps, one of the fastest ways to get it out is by paying your credit balances down to at least 20%. This will immediately help raise your credit score because now your usage has been decreased. So for example, say you have a $1000 balance on your credit […]...