As we head into the holiday season and all that holiday shopping, it’s a good time to consider whether your credit cards will be working as hard as they can for you — either earning travel or hotel rewards or cash back while you’re buying gifts, dining out and celebrating. Take a look at your … Read moreGet Up to 60,000 Bonus Points While Shopping for the Holidays
Whether you’re thinking of refinancing or buying a home, now might be the time to get that loan. Mortgage interest rates are climbing. This week, mortgage rates for a 30-year fixed-rate home loan climbed to 5.05 percent, according to the Mortgage Bankers Association. That’s a nearly eight-year high. Mortgage rates may soon move even higher. … Read moreMortgage Rates at 8-Year High: How to Refinance Before It’s Too Late
Click here to subscribe to our YouTube channel! Credit is one of those things you don’t want to be without. But the credit game is a Catch-22. You need a good credit history to snag the best deals on loans, yet it’s very difficult to get credit without a borrowing history. So, what’s a consumer … Read more8 Easy Ways to Build Credit From Scratch
Click here to subscribe to our YouTube channel! Americans seem to be experts in debt — racking it up, that is. With all that money owed to creditors, we wondered how well Americans actually understand debt and credit. What do you know? Here’s a quick quiz to find out — and some resources to help … Read moreWhat’s Your Debt IQ? Take This Quiz to Find Out
For small purchases, cash remains king, a recent CreditCards.com survey shows. But paying with dollars and cents can be a mistake in some situations. The CreditCards.com survey found that 45 percent of shoppers eschew their rewards cards in favor of using cash to pay for items under $10. That means these folks are passing on … Read more4 Reasons You Should Pay for Small Purchases With Credit Cards
Credit card debt is sneaky. It starts off like a little brush fire but quickly explodes into an inferno, laying waste to your finances. Millions of people find themselves in this unfortunate situation. But it’s never too late to crawl out of debt. There are a lot of different ways to pay down your obligations. … Read moreHere Is the Best Way to Tackle Your Credit Card Debt
If you’re carrying a balance on your credit cards, you’re probably paying some hefty interest every month too. That cost, in addition to what you racked up in purchases, can make credit debt seem like a hopeless problem. We have some tried-and-true tips to help you get out of credit card debt — and ideas … Read moreCredit Card Debt? Pay No Interest for 15 Months
Hopefully you have put — or will someday put — a lot of thought and financial planning into the timing of your retirement. But have you thought about how you will spend money as a retiree? NerdWallet has reported that one-third of baby boomers — Americans between the ages of 51 and 70 — are … Read moreShould Your Credit Card Retire When You Do?
Much like the stock market, the average FICO credit score has been rising since 2009 and recently hit a new high. According to the latest data from Fair Isaac Corp., aka FICO, the national average FICO credit score reached 704 in April. That’s up from 700 one year earlier and up from 686 in 2009. … Read moreThe Average Credit Score Hit a Record High: Does Yours Measure Up?
gpointstudio / Shutterstock.com Seeing your credit score drop is rarely a laughing matter. A low credit score can prevent you from getting a decent loan, might keep you from landing a job and can even prevent you from renting a decent apartment. So even though a tumbling credit score is deadly serious, the way you … Read more6 Silly Ways to Wreck Your Credit Without Realizing It