Borrow Money – Money Crashers

How Much Available Credit Should I Have?

Grant Sabatier — Wed, 07 Feb 2024 17:20:56 +0000

Credit utilization is one of the most important factors contributing to your credit score. Your credit utilization ratio refers to how much available credit you have at a given time. Credit utilization is critical because it signals to lenders whether you can use credit responsibly and pay your debts. In fact, credit experts say that

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Upgrade Select Visa Review 2024

Grant Sabatier — Tue, 09 Jan 2024 22:36:51 +0000

The Upgrade Select Visa may be a good option if you’re looking for a credit card that won’t nickel and dime you to death in fees or interest. In this Upgrade Select Visa review, I’ll help you understand how this credit card/personal loan works and how it can help improve your credit when used correctly.

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8 Ways to Improve Your Credit Score After a Foreclosure

Brian Martucci — Fri, 15 Sep 2023 13:00:00 +0000

The worst part about foreclosure is losing your house, but the indirect financial fallout is pretty bad too. A foreclosure can cause your credit score to drop by 100 to 200 points, with much of the damage coming in the first two or three months after you first fall behind on your mortgage. If that’s

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7 Best Credit Cards for Uber Rides

Brian Martucci — Wed, 13 Sep 2023 13:00:00 +0000

If you ride with Uber more than once in a great while, you’ll come out ahead when you use one of these cards as your default payment method.

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How to Use a Personal Loan to Improve Your Credit Score

Christopher Murray — Tue, 12 Sep 2023 15:38:30 +0000

Finding out how much your credit score really matters can be a hard blow. Fortunately, diligently paying down a small, short-term loan gradually increases your credit score over time. And following these steps, you can potentially have the funds in your hand in a day or two.

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9 Best Small-Business Credit Cards – Reviews & Comparison

Brian Martucci — Fri, 01 Sep 2023 19:42:00 +0000

Small-business credit cards have higher spending limits, low APRs, attractive balance transfer promotions, personalized concierge service, and fringe benefits. But if you're going to pay annual fees, you should pick the one with the best features for your business.

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11 Best Credit Card Sign-Up Bonuses for March 2024

Brian Martucci — Tue, 29 Aug 2023 11:00:00 +0000

Few credit card rewards and perks are more valuable than sign-up bonuses – also known as welcome offers, early spend bonuses, or new cardmember bonuses, depending on the issuer. Every month, we sift through dozens of new and existing credit card sign-up bonus offers – some worth $1,000 or more – and present the very best here.

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How Homeownership Affects Your Credit Score

Brian Martucci — Mon, 28 Aug 2023 17:00:00 +0000

The impacts of a mortgage appear as soon as you apply and continue until you sell or make your final payment. That’s why it’s important to understand exactly how homeownership affects your credit score and what you can do to minimize the potential negatives.

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APR vs. APY – Difference Between Annual Percentage Yield & Rate

Brian Martucci — Thu, 17 Aug 2023 11:00:00 +0000

The difference between APR and APY is one of the basic considerations that you need to know for handling your own finances. What is the difference between APR and APY? Read on to learn about these two rates, how each is calculated, and how you can use them in your purchasing and investing decisions.

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Creditworthiness Meaning — How to Build & Maintain Your Credit Score

Brian Martucci — Tue, 15 Aug 2023 13:00:00 +0000

Being creditworthy has a massive impact on your life, from your ability to get credit cards and borrow money to signing up for utilities. But what does it mean to be “creditworthy”?

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7 Best 0% APR Credit Cards for March 2024

Brian Martucci — Tue, 01 Aug 2023 21:30:00 +0000

Many credit cards offer introductory 0% APR periods that allow you a head start on repaying purchases without worrying about ballooning interest from day one. Could you use this grace period to catch up on your repayments? Here are the best credit cards with 0% APR interest.

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Should You Use a HELOC to Consolidate Credit Card Debt?

Christopher Murray — Fri, 28 Jul 2023 13:00:00 +0000

If you’re a homeowner, you have a powerful tool that can help with debt consolidation: your home’s equity. A home equity line of credit uses your home’s equity to offer you a built-in line of credit you can draw on for various purposes, debt consolidation included.

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8 Ways to Improve Your Credit Score After a Foreclosure

Brian Martucci — Thu, 27 Jul 2023 15:45:00 +0000

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Credit-Builder Loans — Building Credit Made Easy & Affordable

Christopher Murray — Wed, 19 Jul 2023 13:00:00 +0000

Discover how credit-builder loans can help you establish or rebuild credit quickly. Learn how they work, their features, and the pros and cons to make an informed decision.

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How to Use a Credit Card Responsibly — Mastering Fiscal Prudence

Dawn Allcot — Tue, 18 Jul 2023 13:00:00 +0000

Like getting your driver’s license or starting college, opening a credit card signifies a milestone of adulthood. With responsible credit card use, your credit score rises, leading to lower interest rates on things like car loans and a mortgage. But first, you have to use it responsibly.

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Line of Credit — What It Is, Meaning, Types (HELOC & Others)

Brian Martucci — Mon, 17 Jul 2023 17:00:00 +0000

Suddenly need a major infusion of cash? A line of credit may be a cheaper and more convenient option than loans or credit cards. But it comes with its own downsides. Find out more about credit lines before opening one.

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14 Characteristics of a Wise Person

Casey Slide — Tue, 11 Jul 2023 14:30:00 +0000

Proverbs 16:16 states, “How much better to get wisdom than gold, to choose understanding rather than silver!” This is sage advice, but not really a prevailing attitude in today’s culture, which would seem to reward folly rather than wisdom. Today, we often see people racking up huge bills on their credit cards to accumulate fancy

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11 Best Cash Advance Apps to Help You Make It to Payday

Grant Sabatier — Thu, 29 Jun 2023 11:00:00 +0000

If you need a little help before your next payday, these are the cash advance apps for you.

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How to Add Rent Payments to Credit Report (and Boost Your Score)

Heather Barnett — Thu, 08 Jun 2023 13:00:00 +0000

It can be kind of annoying that your biggest, most important payment — your rent — doesn’t even count toward your credit score. Fortunately, these days, you can add rent payments to your credit report to improve your credit score without a lot of hassle.

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7 Best Credit Cards for Online Shopping – Reviews & Comparison

Brian Martucci — Fri, 19 May 2023 12:00:00 +0000

The best credit cards for online shopping boast above-average rewards and potentially valuable cardholder perks for shoppers who prefer to do the bulk of their purchasing digitally. Which is best for you?

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