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Dear Experian, My wife and I disagree on whether a finance charge is already included in the minimum payment required. She says that we should pay both the minimum amount and the finance charge on time to maintain a good credit score. I say that you only need to pay the minimum amount on time […]
How Finance Charges and Minimum Payments Affect Your Credit Score Read More »
Consumer credit card usage in 2021 stayed largely stable. This was a contrast to 2020, when credit card borrowers retrenched during the pandemic lockdown and snapped a decade-long streak of credit card balance decreases both by spending less and borrowing less. If 2020 was the year of disruption, 2021 was the year that American consumers
Credit Card Debt in 2021: Balances Slightly Decline Read More »
Ideally, a credit card is a convenience. It allows you to avoid carrying cash and can buy you some time before you need to pay off your purchases. A credit card can also help you manage your money, cover emergency expenses, build credit and earn rewards. But it could tempt you to buy on impulse,
The Best (and Worst) Ways to Use a Credit Card Read More »
Depending on your credit card issuer, you can add your child as an authorized user on your account as long as they meet the issuer’s requirements. Before doing so, you’ll want to make sure your child has a good understanding of how credit and debt repayment work. There are many benefits of adding your child
Should You Add Your Child to Your Credit Card as an Authorized User? Read More »
Taking on a business opportunity that promises to give you more time, more money and more flexibility sounds like a no-brainer. But when these opportunities come in the form of multilevel marketing (MLM) businesses, the risk of credit card debt may outweigh any potential rewards. Here’s what you need to know about financing for MLM
How Multilevel Marketing Can Cause Credit Card Debt Read More »
You can have a credit score—even a good or excellent one—without a credit card. Any credit product that is reported to the credit bureaus in your name can help put you on the credit radar. Read on to find out how you can begin your credit journey without applying for a credit card. How to
Can You Have a Credit Score Without a Credit Card? Read More »
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How to Earn Rewards While Returning ‘Back to Normal’ Read More »
