Author: Juliana A

If you’re looking to add a credit card to your wallet to either make your life more convenient or build up your credit score, you’ll first need to know how to apply for a credit card and how to boost your odds of approval. Do some research, read the fine print, and verify your credit […]

A great tool for building credit is a secured credit card. Whether you have no credit or you are simply looking to rebuild your damaged credit after some tough financial times, signing up to get a secured card is a smart way to help your credit get back on track. Your financial history won’t be […]

Credit cards can be powerful spending tools, especially when they offer points, miles, or cash back on your purchases. They also often will offer benefits like an extended warranty, car rental insurance, and price protection. If you don’t have a credit card payoff strategy, you could be in big financial trouble. Spending more than you […]

Choosing a bank account and choosing a bank often go hand in hand. Both of these decisions will help you with your major financial goals while saving you money in fees. Whether you want to let your cash sit for either the long or short term, make sure you pick the account type that fits […]

Anyone can now apply for a credit card by simply entering their information into an online form and clicking “Submit”. Getting approved for a credit card, however, requires some planning that starts long before you apply. Know your credit score One of the most important factors is your credit score. There might be some slight differences […]

There are ways to improve your credit score if you are having trouble getting approved for credit cards or loans, or if you aren’t getting favorable rates for financing. Once improved, many things in your life could change, from your mortgage interest rate to even your cellphone terms. It will take some time to increase […]

Got bad credit? You’re not alone. Close to one-third of Americans have a credit score lower than 601 — and, yeah, that’s not so hot. Finding out you’re in that lowest credit echelon often comes at the worst time. You’ve just applied for a credit card, a car loan, a mortgage or even an apartment, […]

Having a good credit score is one of the most important determining factors when it comes to borrowing money. It also determines the low rate that you’ll get when you do. Trying to determine a specific number that means you have a “good” credit score can be tricky. There are lots of different credit scores […]

When you have no credit, it may seem impossible that there is a lender out there that would approve you. Lenders use your credit history to see how well you’ve managed your past credit obligations. How do you get that credit when you don’t have credit to begin with? This can certainly be frustrating, but […]

Many of us frequently hear that we need to maintain a good credit score. Your credit score determines whether you will get a mortgage, a personal loan or you will most likely be denied. Besides, a credit score is the main factor while deciding the interest rate. Sounds extremely important. Yet, not many have a […]