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
Roth IRA vs. 529 Plan: Which Should You Use to Save for College?
Published 08/01/2018 by Ben Luthi
College tuition and fees alone cost $32,088 for four years at a public university, according to the U.S. Department of Education. Go to a private university instead, and it could cost you upwards of $100,000, and that’s not even including room and board, supplies, or textbooks.
How Does Refinancing a Car Work?
Published 07/25/2018 by Ben Luthi
Refinancing a car loan is the process of replacing your original auto loan with a new one. That much is obvious, but how does refinancing a car work
How to Get Approved for Store Credit Cards
Published 07/05/2018 by Ben Luthi
Store credit cards don’t offer the same caliber of rewards and perks as some of the best credit cards on the market. But if you have bad credit, they might be a solid choice.
Which Credit Card is the Easiest to Get? Everything You Need to Know
Published 07/05/2018 by Ben Luthi
Whether you’re looking to improve your credit score or just need a credit card for the credit line, you may be wondering which credit card is the easiest to get? Eligibility requirements are especially important if your credit score is relatively low.
Building a Credit History as an Immigrant or International Student
Published 06/10/2018 by Ben Luthi
Moving to the U.S. can cause culture shock for some, and the country’s credit system can make it difficult for you to start your life here. If you don’t have a credit history, it can be hard to get an apartment or even some jobs. And for the most part, forget about getting a loan.
The 5 Best Secured Credit Cards That Build Credit
Published 06/10/2018 by Ben Luthi
Getting a secured credit card that builds credit is one of the best things you can do to build or rebuild your credit history.
Debit Cards That Build Credit – 3 Ways a Debit Card Can Help You
Published 06/06/2018 by Ben Luthi
Unfortunately, there are no debit cards that build credit. Debit cards and credit cards have different functions and purposes, so if you try to get a debit card that builds credit, you’ll be disappointed.
Is There a Prepaid Credit Card That Builds Credit?
Published 06/06/2018 by Ben Luthi
There’s no such thing as a prepaid credit card that builds credit. In fact, the term “prepaid credit card” itself is a misnomer. There are two different products it could be describing: a secured credit card or a prepaid debit card.
Easy Approval Credit Cards: 3 Ways to Find the Right One
Published 06/04/2018 by Ben Luthi
If you’re just starting out with credit or you’ve made some major credit missteps, you may notice how hard it is to get a good credit card. You’ve probably run across some easy approval credit cards, but a lot of them don’t look that great.
How to Find a Credit Card That Builds Credit Fast: 3 Simple Tips
Published 05/28/2018 by Ben Luthi
If you’re trying to figure out how to build credit fast, a credit card is one of the best ways to do it. However, some credit cards make it harder to build credit than others.