Ultimate Guide: How to Get Your First Credit Card

Having a credit card opens the doors to many other financial steps. It’s practically essential to have a credit card in today’s consumer world. Credit cards can provide tremendous convenience. They are often a crucial starting point for building a healthy credit history. With a good credit foundation, you can reach significant financial milestones likeContinue reading “Ultimate Guide: How to Get Your First Credit Card”

How to Pay Off Debt Faster

Learning how to pay off debt is one of the best things you can do for yourself, especially when it comes to credit cards. The brutal cycle of debt can keep you from making important life steps, like buying a home or investing for retirement. Fortunately, you can learn how to pay off debt fasterContinue reading “How to Pay Off Debt Faster”

How to Increase Your Credit Score

Your credit score plays a very important role in your life. It can determine how much you pay for a mortgage or your credit card’s interest rate. Your credit history may even be considered when you apply for a job. That’s why it’s important to learn how to increase your credit score and strive forContinue reading “How to Increase Your Credit Score”

A $1,000 Emergency Fund: Is it Enough?

A $1,000 Emergency fund is a great start to saving for unexpected expenses, but it’s probably not enough.

As a rule of thumb, you should save three months’ worth of living expenses for a secure emergency fund. For most people, $1,000 can be very helpful in times of distress, but it likely won’t cover what you need to pay in just one month, let alone three.

How Low Interest Rate Credit Cards Help Manage Debt

Anyone who’s had credit card debt knows that it can escalate quickly. The reason your credit card debt seems to snowball is because of the interest, which can add up to create even more debt. That’s why low interest rate credit cards help keep costs down. Interest costs can have a very damaging compounding effect.Continue reading “How Low Interest Rate Credit Cards Help Manage Debt”

Balance Transfer Credit Cards: A Good Idea?

Transferring your debt to a credit card with low interest or 0% APR is often a great strategy for reducing your debt and saving money – and often a bad strategy. Balance transfer credit cards have a number of advantages, but also some downsides to consider. If you want to use a balance transfer toContinue reading “Balance Transfer Credit Cards: A Good Idea?”

Do you Need An RFID Wallet for Security?

For most people, a wallet is an essential little device for keeping your credit cards and your money organized. But an RFID wallet can offer more – security. Unfortunately, one form of fraud involves Radio-Frequency Identification (RFID) hacking in which radio waves are used to catch and read the information that’s stored in chips. Then,Continue reading “Do you Need An RFID Wallet for Security?”

Find the Best Airline Credit Cards for Your Travel Habits

Airline credit cards can be a great way to save money on travel expenses, perhaps even to score a free airline ticket or hotel stay. There’s a big difference between travel rewards cards and airline credit cards, but that doesn’t mean one is necessarily better. Whether an airline credit card is best for you reallyContinue reading “Find the Best Airline Credit Cards for Your Travel Habits”

Best Credit Cards for Students

The best credit cards for students can be a major asset to young adults new to the world of credit. Young adults can have a convenient way of buying necessities like groceries while also learning how to manage their money. In recent years, credit card companies have been required to scale back on-campus marketing toContinue reading “Best Credit Cards for Students”

Best Credit Cards for International Students

If you’re an international student who is studying in the U.S., you’ll probably need a credit card during your stay. At least it will make life a little easier. It’s difficult, but not impossible, to get a credit card as a foreign student in the U.S. Finding the best credit cards for international students canContinue reading “Best Credit Cards for International Students”