When most people think about applying for a loan, the first thing that comes to mind is their credit score. While that three-digit number certainly plays a significant role in the approval process, it’s only part of the story. Lenders dig deeper - using several ratios to measure how you manage money and how likely you are to repay the loan.
Carrying a balance on credit cards can feel like running in place. Each month, you make a payment, but because of high interest rates, most of it goes toward interest instead of the principal balance. One of the most popular solutions for getting ahead of credit card debt is through a balance transfer.
Graduation season is here, and it’s time to celebrate. Congratulations if you’re one of the many students crossing the stage this spring! Earning your degree is a huge accomplishment. However, as you step into this exciting new chapter, you might be wondering, what’s next?
Buy Now, Pay Later (BNPL) programs may be the latest payment craze, but the concept isn’t new. These same principles made credit cards popular. These payment options are gaining traction due to the lure of no-interest charges, convenient repayment schedules, and easy approvals. While convenient, hidden dangers are lurking in the waters that many are overlooking.
The key to using credit cards responsibly - and making them work for you - is knowing the facts. Plenty of myths and misunderstandings exist about credit cards, how they affect your credit score, and what certain actions really mean for your finances. In this article, we’re setting the record straight by debunking common credit card myths.
Are you looking for your perfect match? It can feel like a minefield out there! Whether navigating the dating scene or looking for your ideal credit card, you’ll have to field less-than-desirable prospects on your way to landing your dream deal.
Dealing with credit card debt can be overwhelming. Managing multiple due dates, keeping track of different interest rates, and seeing balances that barely budge can feel like an impossible task. Here’s the good news: there’s a way to cut through the chaos and regain control of your finances - it's called debt consolidation
Another holiday season has come and gone. The gifts have been unwrapped, the decorations are packed away, and life is slowly returning to its normal rhythm. But as you settle into the new year, eager to tackle your resolutions – you’re suddenly confronted by an unwelcome reminder of holiday cheer: your credit card bill.
When you find yourself staring at a steep credit card bill, it can feel like a giant weight on your shoulders. Reducing your balance can seem impossible at times. Don’t fret! We’re here to pull back the curtain on an easy way to regain control over credit card debt - a simple process called debt consolidation.
The holiday season is one of the busiest times of the year. Between travel plans, events, shopping, and decorating, you’ll feel like you’re being pulled in a million different directions. However, there’s one task you shouldn’t overlook – checking your credit health. Discover why reviewing your credit before the holidays is important to starting the new year off on the right financial footing.
