Credit Cards

  • 5 Reasons Why Your Credit Card Application was Denied

    You might excitedly submit a credit card application, only to be disappointed when your credit card application was denied. Denials are nothing new — as a matter of fact, 13% of Americans have had a credit card application rejected in the past 12 months, according to Next Gen Personal Finance. This might not be a crazy high percentage, but it underscores an important fact…

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  • Which Credit Card Is Right for Your Wallet?

    It’s important to know which credit card is right for your lifestyle. You might think it doesn’t matter which type of credit card you carry in your wallet, but most credit cards cater to a particular spender. The credit card you choose can say a lot about your spending habits, and choosing the wrong credit card can be financially detrimental.…

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  • 4 Things to Never Charge to a Credit Card

    Credit is a tool but here’s things to never charge to a credit card for better peace of mind and financial wellbeing. Did you know that the average credit card debt of U.S. families is $6,270? That’s according to the most recent data from the Federal Reserve’s Survey of Consumer Finances. On average, we carry a ton of credit card debt.…

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  • Habits of People Who Never Have Credit Card Debt

    Since most of us aren’t rich, we have to get loans to buy a house, a car or complete an education. And because we often rely on financing to accomplish goals, some people have the attitude that debt–regardless of the type–is a normal part of life. Not only do they acquire loans, but they also rack up a lot of…

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  • How to Apply for a Credit Card Hardship Program

    Are you experiencing financial hardship? If you’re feeling the strain during the pandemic, many credit card companies offer hardship programs to help their customers. However, these programs require the credit card holder to initiate the request. Table of contentsWhat is a credit card hardship program?How Credit Card Hardship Program WorksHow to enroll in a credit card hardship programKnow the program…

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  • How to Get Your First Credit Card

    It can be difficult to get your first credit card if you do not have an established credit history. You might be wondering how you can establish credit if no creditor is willing to give you credit in the first place. It’s frustrating. In an ideal world, I would tell you credit is unnecessary but it would be foolish of…

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  • How to Consolidate Credit Card Payments

    Americans now owe $444 billion in credit card debt. Let’s break it down into a more personal number. Using 2019 data gleaned from the Federal Reserve, indebted US households carry an average of $6,849 in credit card debt. Yes, if you’re reading this article and you have credit card debt. Credit card debt is arguably the nastiest type of debt…

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  • Change Your Credit Card Due Date and Manage Your Cash Flow

    Many credit card companies allow you to change your due dates. Doing so can help you manage your cash flow and achieve your financial goals easier. By having only 1 or 2 due dates per month, it can make paying bills simpler. For most credit card companies, changing due dates is a quick and easy process and can be done…

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  • How to Consolidate High Interest Credit Card Debt

    Credit card debt can seem like an overbearing force weighing down your finances. Unlike mortgages or student loans, credit card debt is undoubtedly considered the “bad” debt. With high-interest rates, credit card debt can be costly — both to your finances and your quality of life. But even with high-interest rates, credit card debt is often considered normal — and…

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  • 5 Credit Card Mistakes to Avoid

    Credit cards are efficient and easy financial tools to use. But these cards can create a lot of issues if you let credit use get out of hand. Using credit cards the right way can help you achieve financial goals but uncontrolled credit use can lead to a much more stressful life. Don’t make these credit card mistakes that could…

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