It’s easy to believe that now’s the best time to apply for a new credit card. It’s also easy to believe that there’s no point in waiting around to do so. While you may be able to move quickly, thanks to the internet, it doesn’t mean you should rush. There are many benefits of taking your time, comparing your options, and seeing where you end up. Here are several questions to ask before applying for a...
As you search credit card deals, you will soon realize one thing to be true: there are hundreds upon hundreds of options. Although it takes some time to compare each offer, this can go a long way in helping you find the one that is perfect for you as a consumer. Before we go any further, it’s important to remember that no single credit card can match your every want and need. To a certain degree,...
Are you interested in negotiating a settlement of credit card debt? If so, you don’t necessarily have to think big. Many people look at this and think about one thing: a lump sum settlement payment in exchange for forgiving the remainder of the balance. While this a strategy to consider, there are minor settlement options that are much easier to work out. These include: • Moving a payment date.• Requesting a temporary payment reduction.• Reducing the...
As you hold your first credit card in your hand, you may wonder what to do next. What will you buy? How much will you spend? What will you do to avoid financial disaster? These are the types of questions that are sure to be floating around your head. Fortunately, there are a few things you can do to answer these questions, among others, to ensure that you manage your credit card with a high level...
The summer months are here, which means the real estate market is heating up. If you are looking to sell your home during this time of the year, there are a few things you can do to improve your chance of success. Here are three tips to consider: 1. Focus on Curb Appeal It’s imperative to keep up the exterior appearance of your home, as this is the first thing a prospective buyer sees upon arriving....
Opening a new credit card can affect your finances more than you initially realize. Here are five things that happen when you open a new credit card. It doesn’t mean you shouldn’t get a new credit card, but being aware of the affects can help you manage your card. An inquiry is placed on your credit report. Actually, the inquiry is placed on your credit report when you apply for the credit card, even if you’re declined...
Bills. They come each month like clockwork. And like clockwork, we’re supposed to send payment by a specific due date. Companies won’t come to your home and demand payment, but that doesn’t mean that paying late is without consequences. Here are seven reasons you should always pay on time. To avoid late fees. Most companies, and not just credit card companies, will charge a late fee when your payment isn't received by the due date. Late...
Millions of Americans are targeted by phone scams everyday. Robocallers have a variety of extremely convincing schemes they use to trick consumers out of money and personal information. Here are some tips to avoid phone scams no matter what tactics the scammers use. Be skeptical of all unsolicited calls, especially calls asking you for money for any reason or your personal information. It’s hard to know for sure that the person on the other end of...
Shopping online is more common than ever before. Not only is it convenient, but it also allows you to save money. Unfortunately, there are some downsides of shopping online, one of which is security. As an online shopper, there are several credit card security tips you must follow: 1. Only buy from sites you trust. If you have any reason to not trust an online store, stay away from it until you learn more. Sharing your...
There is nothing worse than the feeling of losing your credit card. This isn’t the end of the world, but it can definitely put you in a tricky financial position for the time being. Did somebody steal my card? Did I misplace it? Is somebody out there using my credit card without my permission? These are the types of questions that are sure to go through your mind. Fortunately, there are some simple steps you can...
