Credit Card Articles

Is a balance transfer credit card your ticket out of credit card debt? It can be. If you’re having trouble paying off a steep balance and the high interest that goes with it, these cards could be the right solution for you. But before filling out an application, take a few factors into consideration. Educate yourself on the transfer process, and you’ll get the most out of your credit card experience. Read the rest of this entry »

With the gimp economy that we have, credit card companies cut costs attempting to raise or at least retain profits. If you have an American Express, Discover, Chase Bank or Citibank card, you must have felt the sting already. Remember that painful feeling when you could not redeem the hard-earned cash back rewards just because your account has been inactive for some time or because you allowed a single late payment? Discover has started the practice of disabling cash back on idle and delinquent accounts. You are safe, of course, Read the rest of this entry »

The days for easy credit lines such as those issued to subprime borrowers have long been gone. Now the bank expects you to have built a solid payment history or charges you outrageous rates and fees to make up for the non-payment risk. But there is still a loophole for underbanked individuals to get a plastic card relatively easily and use it to borrow money. It is the additional cardholder (authorized user or secondary card holder) who gets lawful access to credit account funds even if there is no score in his/her name, no job or decent income. Read the rest of this entry »

Do you think you have bad credit and that you should apply for bad credit credit cards? Before you begin filling out bad-credit credit card applications, there are a few things you should consider. To determine if bad-credit credit cards are right for you, you will need to take a detailed look at your credit situation.

No Credit

If you are thinking about applying for bad-credit credit cards because you have no credit history, think again. Just because you have not established a credit history it does not mean that you need to apply for bad-credit credit cards. In fact, there is a clear difference between having no credit and having bad credit.

There are a number of credit cards that exist that can help you establish your credit. Additionally, if you have no credit, some credit card suppliers will allow you to have a cosigner on a credit card. Thus, if you know of someone willing to cosign for a credit card, you can establish your credit with a regular credit card instead of a bad-credit credit card. Read the rest of this entry »

Cash back credit cards are an excellent way to earn money while you spend! Instead of making purchases with standard credit cards, you might want to consider applying for cash back credit cards because such cards reward you with cash back on every purchase you make! Further, in addition to cash back on all of your purchases, cash back credit cards offer you the opportunity to afford additional savings, in ways you might not have imagined possible. Read the rest of this entry »