5 Tips for Lowering Your Credit Utilization
Your credit utilization is simply the portion of your available credit you use, expressed as a percentage. It is the total of balances on all your credit cards divided by…
Your credit utilization is simply the portion of your available credit you use, expressed as a percentage. It is the total of balances on all your credit cards divided by…
If your mailbox is stuffed with preapproved credit card offers you have no interest in pursuing, there’s a quick way to make them stop. Call 1-888-5-OPTOUT or visit OptOutPrescreen.com. The phone number…
Have you ever tried to buy something small with your credit card, only to be told the store has a minimum purchase requirement? There’s a financial reason behind that merchant’s rule. Whether you’re using…
Some people are hardcore credit-card optimizers: They carry a wallet packed with plastic and pull out a different credit card for every situation. Others put a premium on simplicity: They find one card that works just…
Plenty of people love credit cards — love the rewards they earn, the perks they enjoy, the interest-free financing they can get, the security offered by quick access to funds in a pinch.…
Not having a Social Security number can be a serious stumbling block when you want to apply for a credit card, since most card issuers specifically ask for one on your application.…
If you don’t use a credit card for a year or more, the issuer may decide to close the account. In fact, inactivity is one of the most common reasons…
Credit card-wielding shoppers may be curious to find out how soon purchases will be reflected in their credit reports. Here’s a closer look at how and when your credit card debt…
Thinking about moving high-interest credit card debt to a card with a lower rate — or, better yet, a 0% interest period — by doing a balance transfer? This move…
Waiting about six months between credit card applications can increase your chances of getting approved. Apply more frequently than that, and issuers may see you as a riskier bet and reject your…