Credit Card Insider

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46 selected videos

How does an adult without a credit history get a credit card? - Credit Card Insider

Today's question is: How does an adult without a credit history get a credit card?

Ask us your credit questions in the comments below and find your next card at https://www.creditcardinsider.com/

Are adults with no credit in the same situation as younger people? Having good credit is important when making big purchases and applying for loans. What are the best ways to build credit as an adult?

Every week, John Ulzheimer answers YOUR credit questions. Email us, give us a call, or ask on live...

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Related topics : good credit cards to get to build credit / credit card history check / what's the best credit card to get with no credit / credit cards no credit history / credit cards today

Will My Credit Card Issuer Lower My Bill If I'm Having Trouble Paying? - Credit Card Insider

Today's question is: Will My Credit Card Issuer Lower My Bill If I'm Having Trouble Paying?

Ask us your credit questions in the comments and find your next card at https://www.creditcardinsider.com/

It's an all-too-common question - will your credit card issuer lower your bill if you're having trouble paying? What about getting a lower interest rate? It turns out that there are some steps you can take if you find yourself in this situation, and you may be able to get some help through...

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Related topics : bill pay credit card / lower credit card interest rate calls / help with credit card bills / credit cards today / credit card search

What Does It Mean To Be Prequalified For A Credit Card? – Credit Card Insider

Today's question is: What Does It Mean To Be Prequalified For A Credit Card?

Ask us your credit questions in the comments and find your next card at https://www.creditcardinsider.com/

Are you always getting prescreened credit card offers in the mail? How do credit card issuers prequalify a person for a credit card, and what kind of effect does that have on your credit? What about if you apply It turns out that you can actually make these offers stop completely by opting out.

Every week,...

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Related topics : opt out credit card offers mail / get credit card offers in mail / find credit card offers / looking for credit card offers / credit cards today

What Is a 0% Introductory APR? – Credit Card Insider

Today's question is: What Is An Introductory APR?

Ask us your credit questions in the comments and find your next card at https://www.creditcardinsider.com/

Many credit cards come with a 0% introductory APR, or annual percentage rate, but what does this mean? How does it compare to a regular APR? There are some important differences when it comes to how these two rates are used to calculate your interest, and you could potentially have both rates active on your account at once.

Every week,...

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Related topics : 0 introductory credit cards / credit card 0 apr / card credit debt management / introductory credit card rate / credit card search

What is a Credit Card? - Credit Card Insider

Today's question is: What is a credit card?

Ask us your credit questions in the comments and find your next card at https://www.creditcardinsider.com/

We cover some basics about credit cards, including:

- how they are a convenient way to pay for things

- the concept of a line of credit or "instant loan"

- unsecured vs secured credit cards

- credit cards vs your credit history

- credit cards vs debit cards

- credit cards vs charge cards

Every week, we answer YOUR credit questions. Email us and...

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Related topics : loan vs credit card debt / credit report without debit card / credit card instant / credit card search / credit credit cards

How Does a Large Balance Transfer Affect My Credit Score? - Credit Card Insider

Today's question is: How does a large balance transfer affect my credit score?

Ask us your credit questions in the comments and find your next card at https://www.creditcardinsider.com/

Many credit cards have introductory balance transfer offers that are quite cheap. You'll need better credit to qualify for these cards. What happens to your credit when you open a new card and transfer one or more balances onto it?

Every week, John Ulzheimer answers YOUR credit questions. Email us, give us a...

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Related topics : find credit card balance transfer offers / transfer credit cards balance / transfers credit cards / introductory credit card offer / looking for credit card offers

What's The Difference Between Credit Card Debt And Student Loan Debt? - Credit Card Insider

Learn more about student credit cards and student loans here: https://www.creditcardinsider.com/credit-cards/student/

Student loans are very different from credit card debt. Interest rates, your requirements to pay, and the affect on your credit will all differ between these two types of debt. Credit cards allow you to carry a balance from month to month, giving this the name of revolving debt; student loan debt, on the other hand, is called installment debt.

Every week, John Ulzheimer...

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Related topics : student loan credit card debt / credit card search / rating credit cards best / credit cards out / paying off credit cards

Why Should I Pay An Annual Fee On A Credit Card? - Credit Card Insider

Today's question is: Why should I Pay An Annual Fee For A Credit Card?

Ask us your credit questions in the comments and find your next card at https://www.creditcardinsider.com/

Some credit cards come with an annual fee, while others don't. Why would you ever want to pay a fee for a credit card? It turns out that there are quite a few benefits that come from having cards with annual fees, such as premium traveling benefits like airport lounge access and free companion tickets.

Every week,...

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Related topics : annual credit card fee / paying off credit cards / credit cards out / credit cards today / credit card search

How do websites and online banking services make sure they are secure? - Credit Card Insider

Today's question is: How do websites and online banking services make sure they are secure?

Ask us your credit questions in the comments and find your next card at https://www.creditcardinsider.com/

Everyone has heard of the recent massive data breaches taking place at retailers like Target and the Home Depot. How do websites and online banking services protect against credit card fraud, and are they using any new security measures? What about EMV technology? What happens if my credit card is...

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Related topics : credit card services online / credit card website security / bank credit cards / credit card search / credit cards out

How Do Credit Card Issuers Make Money? - Credit Card Insider

Today's question is: How do credit card issuers make money?

Ask us your credit questions in the comments and find your next card at https://www.creditcardinsider.com/

Everyone knows that credit card issuers and networks are quite profitable, but how exactly do they make their money? It turns out that there are a few ways, including interest rates, consumer fees, and merchant fees.

Every week, John Ulzheimer answers YOUR credit questions. Email us, give us a call, or ask on live chat, and we...

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Related topics : credit card check money / credit card issuer / card credit debt management / credit card interest rates today / credit cards today