Using your credit card is like getting a loan.  When you use your credit card to buy something, you are borrowing money. Some people use a credit card to buy things they cannot afford right now. Some people use a credit card to help build or improve their credit history. Sometimes it is just easier...

There are tons of credit cards out there that offer different deals. Before getting one, be sure to find out these things: The annual fee:This is the amount you pay for using the card each year. The APR:APR means annual percentage rate.  This is how much interest you pay every year. Other fees: Suc...

If you’d like to get a credit card, you will have to apply for it. You may get offers in mail saying that you’re prequalified, but you’ll still have to go through the process of getting approved. The company you apply will go over your credit history to see if they want to extend you […...

Credit cards and debit cards are two very different things. A credit card extends you a line of credit while a debit card uses money that you already have. In order to have a credit card, a lender has to approve you. When using your credit card, you are borrowing money. For example, if you […...

If you’re in college, this is one of the best times to start building your credit. There are credit cards out there that will approve students. The Capital One Quicksilver One Cash Rewards Credit Card is a great card for students. You can earn unlimited 1.5% cash back on every purchase you mak...

If you have bad credit, one of the best ways to improve it is through a credit card. Some credit cards are hesitant of extending services to customers. But, these credit cards are great. Take a look: The Surge MasterCard Credit Card: This credit card is great for all credit types. They report every...

If you’re looking to build your credit, there are credit cards out there specifically designed for that. For instance, the Credit One Bank Unsecured Visa for Rebuilding Credit Card. The annual fee ranges fro $0 – $99 and has cashback rewards for purchases on gas or groceries. Also, there...

Getting a credit card when you have poor credit is more so about improving your credit score than it is about having more purchasing power. Here are credit cards specifically for people with poor credit: OpenSky Secured Visa Credit Card: This credit card has a 5-star rating from consumers who use it...

It may be the most wonderful time of the year, but the last thing you want to do is spend recklessly. Most people go into serious debt around this time and ruin their credit scores. Here’s how to maintain good credit during the holiday season. First things first, if you use a store credit card...

There’s probably two things America’s dread the most poor credit scores and debt. Debt is a big issue but nowadays it’s becoming easier to pay them off than ever before. Many credit card issuers now offer cards that make it easier to pay off your debt in no time with no interest, n...