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Credit cards with annual fees may offer high rewards rates and enticing cardholder benefits. And some cardholders find the annual fee is worth paying for the added perks. However, if you haven’t used the card as much as you planned, or you’re looking for some extra savings, you can try to get your credit card’s […]
How to Get Your Credit Card’s Annual Fee Waived Read More »
Credit cards with no preset spending limit offer flexible spending limits that adjust based on your creditworthiness, financial history and other factors. This flexibility allows you to access increased buying power without having to request a credit limit increase. Understanding how a no preset spending limit credit card works can help you determine whether it’s
What Does No Preset Spending Limit Mean for a Credit Card? Read More »
Credit cards offer a variety of benefits that can help you save money, get out of a bind or both. To get the most out of your credit card, it’s important to fully understand the benefits it offers. Here’s how. Understanding Your Credit Card Benefits Always read the fine print in your credit card agreement
How Do I Check My Credit Card Benefits? Read More »
Merchants may charge a convenience fee when you pay with a nonstandard payment option, such as a credit card, or use a certain payment channel, such as your phone. Merchants may charge a convenience fee to discourage the use of credit cards, which are often more expensive to accept than other payment methods. While the
What Is a Convenience Fee on a Credit Card? Read More »
A cash advance can provide convenient access to money when you’re in a financial rough spot. However, this option isn’t without its drawbacks, such as an interest rate substantially higher than your card’s typical rate and a cash advance fee, typically 3% to 5% of the borrowed amount. Additionally, many card issuers begin charging interest
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Airport lounges offer an opportunity to relax away from the crowd while you wait for your flight. You don’t have to pay for an expensive membership or earn elite frequent flier status to access airport lounges. With credit card lounge access, you can access various airport lounges in airports around the world when you have
How Does Credit Card Lounge Access Work? Read More »
Gift cards are simple, versatile and easy to buy. If you’re planning to buy a gift card with a credit card, you may be wondering whether you’re even allowed. Yes, you can buy gift cards with a credit card, but you may want to check with your card issuer before doing so. There may be
Can You Buy Gift Cards With a Credit Card? Read More »
Credit card issuers will generally ask for your income when you apply for a new credit card, and occasionally ask you to update your income. They use this information to help determine your card’s credit limit, decide whether to change your limit and to comply with federal regulations. Why Credit Card Issuers Ask Your Income
Why Do Credit Card Issuers Ask Your Income? Read More »
Melissa Lambarena writes for NerdWallet. Email: mlambarena@nerdwallet.com. Twitter: @LissaLambarena. The article 6 Ways to Use a Tax Refund to Jump-start Financial Goals originally appeared on NerdWallet.
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A routing number is a unique identification code banks and credit unions use to transfer money. When you wire money, set up direct deposits or make electronic fund transfers, your bank uses your routing number to ensure the funds are sent to the right place. However, credit cards don’t have routing numbers simply because they
Do Credit Cards Have Routing Numbers? Read More »
Sara Rathner writes for NerdWallet. Email: srathner@nerdwallet.com. Twitter: @sarakrathner. The article Should You Pay Your Cell Phone Bill With a Credit Card? originally appeared on NerdWallet.
Should You Pay Your Cell Phone Bill With a Credit Card? Read More »
Wondering when your credit card payment will be posted? Typically, a credit card payment takes one to five business days to post to your account. Fortunately, your payment may be considered on time even if it hasn’t been posted. How Long It Takes for a Credit Card Payment to Post It generally takes one to
How Long Does It Take for My Credit Card Payment to Post? Read More »
If you’ve been aboard a flight recently, you may have spotted a flight attendant strolling down the aisle clutching glossy brochures that market an airline-branded credit card. Meanwhile, a voice over the PA system goes over the offer’s highlights. As an enticement, the in-flight offer might, for example, supply 65,000 frequent flier miles as a
Should You Accept an In-Flight Credit Card Offer? Read More »
The minimum payment due on your credit card can go up if your balance is growing or if you are late with a payment. Those are two common reasons, but there are others. Because your minimum payment is based on your interest rate and current balance, when those increase, whether from additional purchases or from
Why Did My Minimum Payment Go Up? Read More »
Melissa Lambarena writes for NerdWallet. Email: mlambarena@nerdwallet.com. Twitter: @LissaLambarena. The article How to Settle Credit Card Debt originally appeared on NerdWallet.
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A positive balance on a credit card means that you owe the credit card company money. But in some cases, the reverse may also be true. Yes, you can have a negative balance on your credit card. Here are some of the situations where that can occur and what you can do about it. What
Can You Have a Negative Balance on a Credit Card? Read More »
Reviewing the credit card statement you receive at the end of each billing cycle can help you better understand what’s happening with your account. However, credit card statements have so much information that you might find them overwhelming and confusing at first. Here’s a breakdown of what you can expect to find, how to read
How to Read a Credit Card Statement Read More »
Credit cards can offer many benefits, including rewards, purchase protections and the option to pay off your balance over time. However, sometimes using a credit card isn’t the best option, either because you’ll have to pay extra fees or because there are better alternatives. 1. Rent or Mortgage Payments Paying your rent or mortgage with
8 Expenses You Should Not Put on a Credit Card Read More »
Melissa Lambarena writes for NerdWallet. Email: mlambarena@nerdwallet.com. Twitter: @LissaLambarena. The article How Do Credit Card Refunds Work? originally appeared on NerdWallet.
How Do Credit Card Refunds Work? Read More »
There are several acceptable ways to pay your credit card bill. However, it may not always be obvious which payment method is the best one for you. You can generally pay a credit card bill online, by phone, by mail or, in some cases, in person. Here’s a rundown of the choices before you and
How to Pay a Credit Card Bill Read More »
