When Is the Best Time to Pay My Credit Card Bill?
Aim to pay your credit card by the due date. But if you're looking to boost your credit scores or reduce interest costs, consider paying earlier.
Why Do People Call Credit Card Debt ‘Bad’ Debt?
"Bad" debt doesn't provide anything of ongoing value, incurs high interest and can take years to pay off.
Can I Pay Off Medical Expenses on My Credit Card With My HSA/FSA?
It's common to put medical costs on credit cards. You can pay them off with your HSA or FSA, but keep good records.
What Happens to Credit Card Debt When You Die?
Credit card debt doesn't just go away when you're gone, but the liability doesn't always fall to your loved ones by default either. It depends on the kind of account, where you live and more.
Credit Card Authorized Users: What You Need to Know
An authorized user can make charges on someone else's account but is not ultimately responsible for payment.
I Defaulted on My Credit Card — Now What?
Your debt will be turned over to a collection agency, and your credit score will likely take a severe hit. Here's what to do about it.
Why Don’t I Always Have to Sign for Credit Card Purchases?
Signatures were always a weak method to verify cardholders' identity and prevent fraud. We've found better ways.
Will a Change to My Credit Card Number Hurt My Score?
The new number is linked to the same account, so your score shouldn't suffer. But you're not out of the woods yet.
How Long Should I Keep a Credit Card?
Even if you’ve stopped using a card, in most cases it’s generally preferable to keep the account open. But there are exceptions.
Can Gas Stations Charge More for Using a Credit Card?
Yes, they can, but it still might be more cost-efficient to pay with plastic than cash.
I Make a Small Income — How Can I Qualify for a Credit Card?
Income isn’t the only thing credit card issuers examine. Your credit score and other factors matter, too.
What Makes Discover and American Express Different From Visa and Mastercard
Discover and AmEx issue cards, but they also process transactions, which gives them a bigger cut of fee revenue.
I’m Sending Someone Money With PayPal — Should I Use My Credit Card to Get the Points?
The fees you pay for transfers with a credit card will usually wipe out the value of the rewards you'd earn.
Do Charge Cards Affect My Credit Score the Same as Credit Cards?
Charge cards have a lesser effect because they don't have a preset limit and aren't included in credit utilization.
Why Do Some Credit Cards Carry an Annual Fee?
Credit cards with annual fees typically offer bigger rewards or other desirable features.
Are My Credit Card Rewards Taxable?
In general, credit card rewards you earn through purchases are considered a discount on the price rather than income, so they're not taxable. Referral bonuses, however, are a different matter.
Should I Use a Credit Card or Cash When on Vacation?
Cards have the advantage, but cash has its place, too. Here are the benefits and downsides of using each payment method.
Authorized Users Aren’t Responsible for Debt, but Late Payments Pose Issues
If the primary cardholder makes late payments, it can drag down your own credit scores. The good news is that you can fix this.
If I Apply for a Card but Decide I Don’t Want It, Can I Refuse It?
The only way to back out is to cancel the card, which can hurt your credit score. Think before you apply.
Magnises Card: Designed for the Kids at the Cool Table
No longer available, Magnises was supposed to double as a payment card and an exclusive membership card.