Credit Card Reward Stacking

Credit card reward stacking is a concept to stack multiple offers to receive the most savings possible on your purchases. Using your credit card to earn things like cash back, airline miles, or hotel credit can be a smart financial strategy. But there is a way to earn even more and maximize the benefits that […]

Dealing with the Coronavirus. Personal Reflection APR 2020

April is already more than half over.  It’s still cold here however, as it’s going down into the mid 20’s tonight.  So, Spring has not sprung just yet.  I have managed to cut my grass for the first time, and I cleaned out my mulch beds.  More work to come once it finally warms up.  […]

Coronavirus Credit Card Relief Programs

If you are carrying a balance on credit cards and have suffered a job loss or income reduction due to the Coronavirus pandemic, then you may qualify for some relief.  Multiple credit card issuers have launched programs to assist customers who may have trouble meeting their payment obligations during these unprecedented times.  I’ve compiled a […]

Five Things To Consider When Getting Your First Credit Card

For most people, opening their first credit card is the ultimate sign of reaching adulthood. Having a credit card means a great deal of responsibility, and this should not be taken lightly. Understanding how credit cards work and learning tips on how to use it smartly is essential. If you’re planning to look at some […]

Real Financial Advice from a 3×5 Card

Harold Pollack, a University of Chicago Professor wrote a 3×5 card that gave real financial advice. Most of this information is well known to most people. The problem is that although we have the information, we rarely use it. Going over financial advice may be boring to some, but may save others future hardships. Let’s […]

5 Things That Can Hurt Your Credit Score

Nobody wants to have a bad credit score. It can definitely make life a lot harder than it should be. A bad credit score can prevent you from getting a loan. It may result in being asked for a security deposit or getting a higher insurance rate. Obviously, you should do all you can to […]

How to Choose the Right Bank Card for Your Needs

With the convenience of electronic payment options, billions of people use bank cards for everything from shopping to paying bills both online and in-person. Many industries, such as hotels and car rentals, require a bank card in order to make reservations, and it seems the modern economy demands that people have at least one bank […]

Coping With Bad Credit

Bad credit occurs when one fails to meet his or her debt obligation and hence one cannot qualify for an additional loan in the future. This mostly happens when people take loans which they are unable to repay and if this incidence occur severally, a situation of bad credit occurs. In some occasions, bad credit […]

What the Credit Card Companies Do Not Want You To Know

Ah this is a great topic for the holiday season…Credit cards are the best invention ever made right? Well, they may be a great invention for credit card companies (especially right around this time of year), but for the consumer that does not understand their impact, credit cards can be a nightmare. However, for consumers who […]

Best Options When You Have Bad Credit But Need Money

Having bad credit can be a headache when you are in need of money, but it shouldn’t prevent you from access to the cash you need when you need it. There are ways you can get money when you have bad credit. You just need to know where to look and what to expect. How […]