It’s no secret that credit cards can be a consumer’s best friend or worst enemy. You can build credit and earn rewards or cash back if you manage the card properly. However, irresponsible use can wreck your credit score and finances. Read on for insider secrets to help you maximize the plastic in your wallet: […]
Are you drowning in credit card debt? Even if you’re making the minimum payments each month, chances are the balances aren’t decreasing as fast as you’d like them to. And if money’s tight, it may be tough to ramp up debt-payoff efforts. So, you decide to look into consolidating your credit card debt. But is […]
You need money to grow your business but can’t get a loan from the bank. Sound familiar? Maybe you have less than perfect credit. Or perhaps you haven’t been in business long enough. Either way, one thing’s for certain: not having access to capital can hinder you from growing your company and increasing profit margins. […]
Are you in the market for a new ride? Getting a car loan isn’t the only way to get into the driver’s seat; you also have the option to lease a car. If you own a business but don’t drive many miles, a lease may be best. But if you have kids and dogs and […]
You have managed to scrimp and save a couple thousand dollars and want to buy a reliable, used car that gives you the most bang for the buck. Especially because you’re paying cash, it’s possible to find a good deal. But you may have to compromise on the make and model and do a little […]
Are you an international student or immigrant living in the U.S.? Are you planning on staying in the U.S.? If you answered “yes” to either of these questions and you’re finding it difficult to qualify for a credit card, you’re not alone. We have rounded up the best credit cards for foreign students and immigrants […]
Selecting a credit card that best suits your needs can be tricky. There are so many options to choose from, but Discover it and Chase Freedom Unlimited are two cards that stand out from the pack if you’re looking for a rewards card with no annual fee. Discover it Rewards: 5% cash back on rotating […]
Do you travel or dine out often and want to earn points for your spending? The Chase Sapphire Preferred and Chase Sapphire Reserve may be worth considering. Both cards have high earning potential and several enticing incentives, particularly for travelers. Here’s a closer look at the pros and cons of each card, and the details […]
Are credit card rewards important to you or would you prefer a basic credit card? You’ll need to ask yourself this question as you’re scoping out your options. Both the Citi Double Cash and Citi Simplicity are credit cards with no frills. But one offers a cash back rewards program while the other one doesn’t offer a rewards program […]
Are you looking to build or repair your credit? A credit-builder loan may be worth considering since it’s designed to build your credit profile or increase your credit score. They’re ideal for credit newbies and those looking for a fresh start. Credit-builder loans also work for cash-strapped consumers since they don’t require a security deposit. […]
Have you considered applying for a student credit card? If you can keep your spending under control, it may not be such a bad idea. However, a lot of students might not know how student credit cards work and end up putting themselves in a poor financial position. Student credit cards are a safe and […]
Do you have bad credit but need a personal loan? Heading to the bank to borrow the funds may be out of the question. However, you may consider a lender that offers “no-credit-check” personal loans, such as OppLoans. These loans same-day approvals and fast funding without requiring a credit check. The interest rates are high, […]
Article Summary Although most banks don’t require a hard credit pull to open an account, some do. Closing your account if it’s in bad standing, can definitely cause problems. Find out how to protect your credit score and still enjoy the benefits of a checking account. Typically, banks do not report activity on checking account […]
It’s no secret. Student loan debt is out of control. As of September 2016, this figure had reached a whopping $1.4 trillion. (Source) Even worse, results from a recent survey administered by SoFi found that 40 percent of millennials would rather come clean with their partner about an STD than disclose their student loan balances. Yikes! […]
Are you financially strapped and need cash right away? Personal loans are an option to get the funds you need. But how do you know if you’ll get approved for a personal loan? In this article, we’ll cover personal loan options, the steps you should take to get approved and what to do if your […]
Do you have your eyes on a new ride? If you don’t have the funds sitting in a bank account, you’ll need to know how to finance a new car. With the average cost of a new car around $35,000, you should shop around to find the best deal on a loan. (Source) Otherwise, you […]
It was only a year ago that you were driving off the lot in your brand new ride. But now, you have an extreme case of buyer’s remorse, and it has nothing to do with the car. The problem is the outrageous interest rate on the car loan. Or maybe the interest rate is low, […]
Have you ever thought about how auto loans impact your credit score? Probably not, unless you’re obsessed with credit scores. Although improving your credit score shouldn’t be your primary reason for getting an auto loan, it’s good to know how it will affect it. So, what’s the low-down on auto loans and credit scores? How […]
Does your credit score need a boost? Whether it’s to qualify for a new home or car, getting a personal loan can help get you build your credit. How can a personal loan improve your credit? Personal loans allow you to build positive payment history, which accounts for 35 percent of your FICO score, by […]
After weeks of searching, you finally find a reliable used car that suits your needs. Even better, you’ve negotiated a great deal with the seller. Now, it’s time to figure out how to pay for it. Depending on the year and mileage of the car you select, you may have to jump over a few […]
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