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5 Sometimes Surprising Things About Cards With 0% APR Offers
Cards that offer a 0% annual percentage rate (APR) during an introductory period can help you save money by allowing you to skip interest charges on your purchases for a year or more. That’s an...
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Fred Meyer Rewards® Visa® Card: Should You Apply?
The Fred Meyer Rewards® Visa® Card is a lackluster credit card, and consumers should avoid it. Though its rewards are above average when used at Fred Meyer stores, the points you earn expire every...
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Harley-Davidson Visa Signature Credit Card: Is it Good?
The Harley-Davidson® Visa Signature® Card is a decent credit card for motorcycle fans. It provides good rewards in popular categories, including gas stations, restaurants, bars, hotels, and...
View ArticleCredit Card Application Denied: What to Do Next
Even if have a credit card application that’s denied, you still have some options for getting a credit card. For one, you can call the card issuer's reconsideration line to make a case for why you...
View ArticleHow To Get (and Understand) Your Free Credit Score
Want a loan or a premium credit card with good perks? You’re going to need a decent credit score.Calculated by information found in your credit report, this three-digit number predicts how likely you...
View ArticleHow to Get Your FICO Score for Free & What You Should Know
Many banks, credit card issuers, credit union and financial websites offer free credit scores. Not all provide FICO scores, the most commonly used credit score by lenders. Some offer VantageScore, a...
View ArticleIs it Legal to Charge Customers a Credit Card Processing Fee?
All merchants are allowed to charge their customers a convenience fee for using a credit card if the customer is using a non-customary payment channel. For example, if a business primarily accepts...
View ArticleWhat To Do When Your Credit Card is Charged in Error
Consider yourself lucky if you’re a longtime credit card user who’s never checked your account and found a transaction that looks fishy. While a suspicious card transaction will often be picked up...
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Brooks Brothers Credit Cards: Everything You Should Know
Both Brooks Brothers credit cards are an excellent way to save money when you shop with the clothier. Of the two, we strongly recommend going with the Brooks Brother Platinum Mastercard, rather than...
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How is Credit Card Interest (APR) Calculated?
Most credit card issuers calculate interest charges using a method called the 'average daily balance'. In order to find the sum, you multiply the mean outstanding balance on your bill at the end of...
View ArticleThe ABCs of Credit Card APRs
Trick question: How many APRs—or annual percentage rates, charged on your balance—does your credit card have? If you said one, then you’re probably just counting the APR for new purchases, and you’re...
View ArticleHow One Pair of Leggings Decimated My Near-Perfect Credit Score
Even personal finance writers make stupid money mistakes. Here’s my most recent blunder.Just a month ago, I was riding high on a credit score that was six points from perfect. There’s no real good...
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Uber Visa® Card: Is it the New Best Cash Back Credit Card?
The Uber Visa Card is a truly outstanding cash back credit card. We recommend it for several different types of users: frequent Uber customers, and consumers who shop online, use music and video...
View ArticleThe Last-Ditch Way to Pay off Credit Card Debt
You’ve tried extreme budgeting, maybe even a balance transfer and almost every pay-down method around. But your outstanding credit card debt remains insurmountable. There is still another way, and it’s...
View ArticleWhat Is the Best Way to Pay Down Credit Card Debt? It Depends
Paying off your credit cards may seem like an impossible task, especially if you’re not in the position to get a balance transfer or a low-rate loan. But persistence and time can overcome many debt...
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Ace Rewards Visa Credit Card: Should You Apply?
The Ace Hardware Rewards Visa is one of the best store-branded credit cards. The only major gripe we have with it is that all the rewards can only be traded for Ace Hardware gift cards. If this...
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Hilton Honors American Express Aspire Credit Card: Is It Worth $450?
The Hilton Honors American Express Aspire Card is an excellent addition to the Hilton credit card lineup. It's a fantastic choice for high-spenders who find themselves staying at Hilton hotels multiple...
View ArticleHow to Pay Down Credit Card Debt
There are many ways to pay down credit card debt from simply making larger payments to borrowing again to consolidate your debt at lower rates. While some are unequivocally better than others, the best...
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Abercrombie & Fitch Credit Card: Should You Apply?
The Abercrombie & Fitch credit card is a bad deal and should be avoided. It has no rewards program, a lackluster bonus, and questionable long-term benefits. If you're after a cash back credit card...
View ArticleHow to Read Your Free Credit Report
A key step to understanding your creditworthiness is knowing what’s in your credit report and whether it’s accurate. Any errors on your report could hurt your credit score, making it harder and more...
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