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First-Time Credit Card to Build Your Credit

Your first credit card can bring independence, convenience and opportunity all rolled into one. When handled responsibly, your first credit card can help you build credit and improve your ability to borrow money in the future. Here are seven basic steps to making the most of your first credit card.

Use your first credit card wisely

One rule of thumb for building a strong credit history is to...

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Date: 2018-03-23 21:24:13

What is a Cash Advance on a Credit Card?

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Before you take out a cash advance on your credit card, it's important to understand the fees and risks involved, as well as the benefits.

A credit card cash advance is a withdrawal of cash from your credit card account. Essentially, you're borrowing against your credit card to put cash in your pocket. However, there are costs to taking a credit card cash advance and, in some cases,...

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Date: 2018-03-23 20:55:32

How To Read Your Credit Report - Better Money Habits

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Your credit report offers a snapshot of your financial life and may be accessed by anyone from potential employers to lenders. Plus, the information it contains determines your credit score. By understanding how to read your credit report, what comprises it and how to monitor it, you'll be better equipped to handle your finances overall.

How to read your credit report

The three major...

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Date: 2018-03-23 20:50:29

Tips to Pay Off Credit Card Debt Fast - Better Money Habits

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If you're wondering how to pay off debt fast, you're not alone. One in three Americans carries a balance on their credit cards month to month.1 If you're one of them, and you want to reduce your balance, the strategies below can help you figure out how to quickly pay off any credit card debt you have.

Target one debt at a time

Do you carry a balance on more than one card? If so, make...

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Date: 2018-03-23 21:00:45

The advantages of credit cards - Bank Of America

Most people use credit cards for their convenience but take for granted some of the cards' other benefits. When it comes to security, emergencies, efficiency, budgeting and other areas, they're hard to beat.

Organization

If you're trying to stick to a budget but are having a hard time keeping track of your spending, credit cards offer specific advantages. Some cards offer pre-selected categories...

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Date: 2018-03-23 21:09:04

Credit Card Fraud Protection & Handling Identity Theft

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Credit card fraud is when someone uses one or more of your cards without your permission. The thief may use your card to buy things or even take money out of an account. Fortunately the law limits your liability in cases of credit card fraud. Identity theft, on the other hand, is a type of fraud in which a thief uses your personal information--such as a Social Security number--to set...

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Date: 2018-03-23 20:58:28

What Is APR ? Learn How Credit Card ... - Better Money Habits

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You may have seen the term APR, or annual percentage rate, used in reference to everything from mortgages and auto loans to credit cards. In this piece, we look at credit card APRs--which you've probably seen listed on your monthly statements. Knowing what an APR is, how it's calculated and how it's applied can help you make more informed credit card decisions.

Understanding APR

Technically speaking, APR (annual percentage rate) is a numeric representation of your interest rate. When deciding between credit cards, APR can help you compare how expensive a transaction will be on each one. It's helpful to...

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Date: 2018-03-23 20:53:32

credit card debt calculator - Better Money Habits

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Secured credit means the loan is guaranteed with collateral like a car or home. Unsecured credit, like most credit cards, don't require an upfront deposit or collateral.

Did You Know?

If you find yourself overwhelmed by debt, qualified credit counselors can help you better manage it.

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Date: 2018-03-23 20:51:17

Credit Card Facts and Myths to Help Manage Your Credit

Ten percent of your credit score is determined by the type of credit you have. For example, you may have student loans, a mortgage and credit cards. Credit agencies look for a good mix. If all you have is credit cards, you may not help your score.

Now that you have a good handle on the basic facts about credit cards--as well as the most common...

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Date: 2018-03-23 20:55:32

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