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Understand the terms of your credit card accounts, and be responsible with them. Plan to pay off your credit card balances in full every month. If you can’t, limit your use of credit cards. Follow these rules for responsible credit card use. Study the credit card agreementTake a look at the small print on the […]

Don’t despair if you have a low credit score. With time and discipline, you can dramatically improve it. Make a commitment to limiting your use of credit. Use the following advice to improve your score. Check your credit reports and dispute any inaccuracies. Fixing problems can raise your score. Checking your own credit report does

Holidays, gas, groceries, home renovations, and bills—these are just some of the reasons consumers may pull out the plastic. Before you know it, your credit card debt is too high and you’re struggling to pay it back. Credit card debt can happen over time or all at once, but no one wants to be in

Closing a credit card might seem like a financially responsible move to make. The truth, however, is more complex and depends on several factors. Closing a credit card without taking into consideration how many cards you have open, the age of the card, and overall credit health can harm your credit score. Before closing your

In late July, the Federal Reserve raised interest rates for the fourth time this year. While the move is to combat high inflation, it ties directly into credit card interest rates and APRs.   What does that mean for you?   If you have credit cards, you should expect to start paying more. This is

If you’re like most of the U.S., you probably own a credit card. The Federal Reserve reports that more than 80% of people in the U.S. owned at least one credit card in 2020. To maintain a healthy credit score, you should pay at least the minimum amount owed on time each month. This will keep you

The holidays are upon us, and with that comes the biggest shopping season of the year. But as you gear up with wish lists and coupon codes, you’ll want to avoid some shopping mistakes that could land you with more credit card debt than you might already have.  In the spirit of protecting your credit

It might seem like a never-ending cycle: When you have bad credit you pay more on interest rates, so it makes it even harder to get out of debt. And the more debt you have the worse your credit can get. But this is not the end of the line for your credit score. You

Struggling with credit card debt makes balancing your everyday life harder, in addition to the stress it can create. Average credit card interest rates continue to be high (24.45% as of September), so it may be more challenging than ever to pay them down. If you’re struggling, you’re not the only one. J.D. Power recently