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American Express Hilton Honors Ascend Credit Card: Is It Worth Applying For?
The Hilton Honors American Express Ascend Card will soon replace the old Hilton Surpass credit card—and most things are changing for the better. The annual fee is going up by $20 (from $75 to $95), but...
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American Express Hilton Honors Business Credit Card: Is it Right for Your...
The American Express Hilton Honors Business Credit Card is the best Hilton credit card at its price point. It has the same $95 annual fee as the Hilton Ascend card, though it comes with significantly...
View ArticlePaying a Credit Card Bill Early: What You Need to Know
Paying your credit card balance before its statement closes can lower your interest payments and increase your credit score. This is because paying early leads to lower credit utilization and a lower...
View ArticleHow to Increase Your Credit Card Limit
Requesting an increase to your credit card’s limit is an easy process that can be done over the phone or online. But you won’t always be approved, so it’s ideal to ask for a request when you have a...
View ArticleWhich Type of Credit Cards Should You Use for Holiday Shopping?
Tis the season (or nearly so) for Black Friday deals, fancy parties and busted budgets. Americans this year are expected to shell out almost $1,000 per household for holiday expenses. Much of that will...
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Deserve® Edu Mastercard for Students: A Great Option for Students
The Deserve Edu credit card is an excellent option for student who lacks a social security number (SSN). The card can help this group of people get a first credit card, and foot in the door of credit...
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Where and How Widely are Visa, Mastercard, Discover and American Express...
Visa and Mastercard are by far the most accessible credit card networks, both domestically and abroad. Consumers who have one of these two types of cards will be able to pay at most businesses around...
View ArticleFICO Models Explained: Which Differences Matter Most
FICO has created the algorithm—of the same name—that most lenders in the United States use to find your credit score when you apply for a loan. The company releases an updated version of the algorithm...
View ArticleHow to Use a Credit Card: Best Practices Explained
Whether you've been using credit cards for years or you're in the process of getting your first one, they can be confusing. Credit cards can either be incredibly dangerous or immensely helpful,...
View ArticleCredit Card Debt Settlement and Forgiveness: Everything You Need to Know
Unlike some other forms of debt, outstanding credit card debt can’t be forgiven, even after death. Consumers who can’t pay their monthly bills have no good options other than setting up a debt...
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Average Number of Credit Cards Per Person: 2017 Card Ownership Statistics
The average American carries 2.35 credit cards and a total outstanding balance of $5,551. This average can vary depending on what part of the country a person lives, how old they are, and a few other...
View Article6 Ways to Use Your Credit Card Rewards During the Holidays
Is your bank account balance less robust than you’d like before the holiday season? Are you worried about blowing past your planned budget for gifts? Consider redeeming your credit card rewards to take...
View ArticleDon’t Let Credit and Debit Card Fraud Ruin Your Holiday Shopping
The chances that a fraudster will try to use your credit or debit card number this holiday season is on the rise. Fraud attempts online are expected to increase by 30% this holiday season from last...
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Wells Fargo Cash Back College Card: Should You Apply?
The Wells Fargo Cash Back College Card isn't the best student credit card out there, but it's also far from the worst. College students who want their first credit card to be with Wells Fargo can apply...
View ArticleHow Does Your Credit Card's Extended Warranty Work?
Extended warranty features on credit cards allow consumers to extend an original manufacturer’s warranty on items. This means that shoppers can save money by foregoing a particular store’s extended...
View ArticleWhat to Do If You Lost Your Credit Card: Everything You Need to Know
When you lose your credit card, the first thing you should do is call your credit card issuer to report it as missing. Doing this protects your finances and identity, and ensures that if anyone finds...
View ArticleHow Credit Card Companies Make and Earn Money
Credit card companies make money by collecting fees. Out of the various fees, interest charges are the primary source of revenue. When credit card users fail to pay off their bill at the end of the...
View Article5 Ways Your Credit Card Can Protect Your Holiday Shopping
Americans plan to spend nearly $1,000 this year on the holidays, the bulk of it going toward gifts for family and friends. The right credit card can protect those special purchases from fraud, price...
View ArticleCredit Card Purchase Protection Explained
Purchase protection is a common credit card feature that allows consumers to file a claim with their network on eligible damaged or stolen items for replacement, repair, or reimbursement. Major credit...
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Credit Cards for Teens: Best Options and What You Should Know
Teenagers have several credit card options available to them depending on their age. The minimum age to qualify for your own credit card account in the United States is 18 years old. Teens who're 18...
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