Ben Luthi
Ben Luthi is a personal finance writer and a credit cards expert who loves helping consumers and business owners make better financial decisions. His work has been featured in Time, MarketWatch, Yahoo! Finance, U.S. News & World Report, CNBC, Success Magazine, USA Today, The Huffington Post and many more.
articles from Ben
119 posts
Why You Were Denied a Credit Card And What You Can Do About It
Published 05/12/2017 by Ben Luthi
Nobody likes rejection, but knowing what you can do next time to avoid it can help make up for it. There are several reasons why your credit card application may get denied, but that doesn’t mean you should give up.
Want Excellent Credit? Develop These Habits Now
Published 05/05/2017 by Ben Luthi
For many people, credit is one of the most important indicators of fiscal responsibility. Having great credit gives you better opportunities when it comes to borrowing and low interest rates. Depending on the circumstances, having excellent credit can save you thousands of dollars in interest over the years.
Which Credit Card Issuers Offer a Free FICO Score?
Published 05/04/2017 by Ben Luthi
Just a few years ago, getting access to your FICO score would cost you. Despite being the main indicator of your creditworthiness, consumers had very little access to it.
Should You Do a Balance Transfer?
Published 05/04/2017 by Ben Luthi
High-interest credit card debt can be soul-crushing. The financial strain it puts on you can make it hard to work toward your financial goals. It keeps you in servitude and, for many people, makes it hard to be motivated to pay it off.
Which Credit Cards Offer Anniversary Bonuses?
Published 04/25/2017 by Ben Luthi
When applying for a credit card with an annual fee, it can be hard to know whether the card’s perks and rewards make up for its yearly charge. Some cards make it easy, however, offering a bonus each year when you pay your annual fee.
How to Choose a Balance Transfer Credit Card
Published 04/21/2017 by Ben Luthi
Balance transfer credit cards are valuable financial tools for people with debt. They allow you to transfer high-interest credit card debt to a card with a 0% annual percentage rate (APR) promotion, offering much-needed interest relief.
Why You Should Consider an Annual Fee Card
Published 04/21/2017 by Ben Luthi
It’s not hard to find a decent rewards credit card with no annual fee. And for a lot of frugal spenders, going fee-free is ideal. But with many annual fee credit cards, you can get plenty of perks and rewards to make up for the yearly charge, and then some.
Best Small Business Loans for Military and Veterans in 2024
Published 12/24/2016 by Ben Luthi
of small businesses are owned by veterans
Best Military Loan Lenders in 2024
Published 12/29/2015 by Ben Luthi
Many financial institutions offer breaks on rates and fees for active duty military personnel, veterans, and their families. If you seek out the best military loans for your credit type, you could save hundreds, if not thousands, of dollars.