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Much More than Just Credit Cards
While finding cards is our specialty, we also offer information on a multitude of other personal finance disciplines
Credit Score
Before finding your card, you need to find your credit! Learn how to build your credit so you can expand your financial options
Credit Cards
Read through all of our credit card resources, find the right card for your financial needs, and get approved today
Insurance
If financial security is what you want, unexpected expenses are your worst enemy. Make sure your assets are protected with comprehensive insurance coverage.
How Your Credits Score Affects Loan Financing
How much damage can a bad credit score really cause? A survey from a loan comparison site suggests as an example that individuals who take out an auto loan of $21,778 with a “fair” credit score could pay up to 311 percent more interest than an individual with a “very good” credit score taking out the same loan. In the graph depicted below, you can see the difference between the total interest payment when it comes to the auto loan described above depending on the loaner’s credit score.
Tips for Using Credit Cards Responsibly
Are you new to using a credit card? Do you have trouble balancing one? Here are some tips you can use to improve your financial responsibility.
Think Of It As A Loan
You need to pay back everything you buy with a credit card. Therefore, don’t buy things you can’t afford. An alternative is to think of it as an ATM debit card for your checking account – after all you SHOULD have money in the bank to pay for what you’re about to buy, right?
Save The Receipts
Use your credit card receipts side by side with your monthly bill. Look for irregularities and report problems to your credit card issuer immediately.
Pay The Balance On Time
Late payments (or no payments) mean finance charges on the remaining unpaid balance. Plus, if you only pay the minimum, the interest on the unpaid balance will continue to rise – meaning your purchases could end up costing much more than the original price.
Your Credit Rating Affects Your Life
Late payments or even non-payment of debts can damage your credit score. This affects your credit history negatively — making it harder for you to purchase larger items such as cars or property. IT could also become more difficult to rent an apartment, find affordable insurance, or even—in some extreme cases—land a good job.
Further Readings on Personal Finance
Click through the titles below to read articles & blog posts that are relevant to your personal finance journey
Essential Employees Insurance
Imagine being so valued by your employer that the company actually takes out an insurance policy in case you leave...
Driverless Cars Could Be the End to Auto Insurance Headaches
There are expectations that driverless cars will become available by 2020, meaning that this could be the end of auto...
Insurance For High Risk Drivers
High risk car insurance is insurance for people who are considered to be high risk drivers. They are drivers who...
Where To Find Flood Insurance
The goal of residential flood insurance is to provide protection for your home in the event of a flood. Regular...
Americans with the Highest Credit Card Debt
People typically point the finger at younger generations for their frivolous spending, but when it comes down to it, research...
Taking Advantage of Chase’s Sapphire Reserve Card Perks
Credit card offers are never-ending–there will always be more to come, but sometimes there are amazing ones that slip through...
Should You Add Your Spouse To Your Credit Card To Build Their Credit?
When you get married, you have to decide what you will and will not share. In some cases, couples decide...
What Percentage Does Payment History Affect Your Score?
Your payment history is the part of your credit report that explains in detail what you’ve done and how prompt...
When To Use AnnualCreditReport.com
You should stay on top of your credit report and one great way of doing that is by checking your...
What Goes Wrong When You Don’t Check Your Credit Often…
Depending on how you’ve treated your credit in the past, it may be scary to check your score. Regardless whether...
Is Your Kid’s Credit At Risk?
Though they may be too young to have a credit score, parents should be proactive about checking their child’s credit...
Best Airline Credit Cards
When you can get an airline credit card, you’ve made it to the big leagues in terms of credit. They...
Credit Card Rewards Are Starting To Look Different
For years, people have enjoyed the perks of credit card rewards such as travel excursions and more. These days the...
How To Read Your Credit Card Statement
It’s important to read your credit card statement, but for many it’s intimidating. Still it’s better to be informed rather...
Nine Alternatives To Long-Term Care Insurance
If you’re interested in long-term care insurance but you’re overwhelmed by sticker shock on this expensive coverage, you may be...
What Types Of Insurance Do You Need In Retirement?
Retirement is a huge life change, and it usually means your insurance needs will be different, too. It’s a great...
Understanding Your Auto Insurance Score
If you’ve never heard of your auto insurance score, you’re not alone. You have one, though, and this three-digit score...
Here Are The Highest-Rated Credit Monitoring Services Of 2019
Since your credit score is such a vital meter of your financial health, it pays to have your finger on...
Two Ways To Get Cash From A Credit Card
In our credit economy, most anything you need to pay for can be done with a credit card. However, there...