Explore the hidden dangers of accumulating airline miles and hotel points indefinitely. This piece reveals why promptly utilizing your rewards, rather than hoarding them, ensures you get the most out of every point earned, navigating through the risks to unlock the true value of loyalty programs.
Author: Kevin Mulligan
Responsible credit card use helps young adults build credit, lower borrowing costs, and gain financial security. Learn how balancing benefits and risks can lead to smarter financial decisions.
Two little words, one short phrase, one enormous impact on your financial future. Do you know how important this simple phrase is on your future?…
Both cards have protections. Learn how reporting time, access to cash and the dispute process differ before choosing a payment method.
The Federal Reserve has been using a set of monetary strategies called quantitative easing (QE) to artificially keep interest rates extremely low across the entire…
Credit card debt feels impossible to rescue yourself from. High interest rates, low minimum payments, and the ability to spend up to your credit limit…
You have many credit scores. Learn why they differ, which score matters for a loan, and how to monitor your reports without chasing every number.
A step-by-step guide to checking card-specific extended warranty terms, gathering proof, contacting the benefit administrator and tracking a claim.
When you are granted a new credit card account you might think you are only getting access to cash back, airline miles, or hotel points.…
A late credit card payment can trigger a fee, rate changes, and credit-report damage at different times. Use this step-by-step plan to act quickly, request hardship help, and verify the account.
It seems like the world is becoming less safe every day. Meteors crashing into Russia, armed conflicts all over the world, and natural disasters are…
Start with one manageable reporting account, on-time payments and clear costs. Avoid unnecessary loans, application stacks and promises of instant score gains.
A denied card application should lead to evidence, not guesswork. Use the adverse action notice and credit report to identify the real reason and plan the next step.
Credit cards have burned a lot of people over the years. Interest paid, one late payment leading to astronomical rates, debts that have taken years…
America citizens rode the fiscal cliff train (with Congress as conductor) all the way to the edge of the cliff. Technically we were a day…
For once Congress has given us good news heading into a new year: contribution limits on retirement accounts are going up. The increases may not…
A lower rate helps only when the full cost and payment plan work. Compare the same debt and monthly budget before transferring a balance.
Credit cards are incredibly common in the wallets of Americans in every state. We get started young: a bank will join a bank fair on…

