Credit cards are essentially, a loan. A credit card is an account that offers you a line of credit that can be used to buy now and pay later. With a credit card you can make purchases, transfer balances from other credit cards, or make cash advances.
Credit cards! Can’t live with them, can’t live without them. According to the latest report by the Federal Reserve, there’s a whopping $790 billion in credit card debt in the U.S. On the flip side, though, opening credit cards and managing them responsibly is crucial to establishing your credit history, which impacts your eligibility and rates for large, low-interest loans.
Buying a home may seem like a great investment that will help build wealth. Though many American adults dream of purchasing houses adorned with white picket fences in picturesque neighborhoods, they’re often unfamiliar with the numerous risks and unanticipated costs of homeownership.
It’s that time of year again! Get ready to break out the calculator and pencils, dig out the enormous pile of receipts, tax forms and pay stubs, and get to work.
Now that 2022 is rolling, many people are faced with the fact that they collected a significant amount of debt this past holiday season. If you’re looking at debt right now you are not alone; 1 in 3 Americans racked up more than $1,200 of debt this holiday season according to CNBC.
It pays to pay with plastic. When you use a rewards credit card, every time you swipe your card, you earn points. As your points add up, you can redeem them for rewards like travel, merchandise, gift cards, charitable donations, and cash.
If you’re in the market for a new car or truck, you’re likely also shopping for an auto loan. Your auto loan will affect your monthly budget for the full term of the loan, so it’s important to do your research and make an informed decision before finalizing it. Here’s everything you need to know about auto loans and how to choose the one that’s best for you.
There are millions of credit cards on the market today—you could drive yourself crazy trying to find the perfect card with the best rates, highest rewards, and lowest fees. That said, you shouldn’t apply to the first offer you receive in the mail, either. Finding the right credit card is often about compromise: you pick the best features from the options you qualify for, but you have to know what’s important to you in order to choose wisely. Answering a few questions about yourself, your credit, and your spending habits before you begin the application process can help you make a better choice down the line.
Bad credit happens to good people every day. Who hasn’t—at least once or twice—bit off a little more than they can chew financially? Sometimes events out of our control, such as medical bills or natural disasters, can deplete life savings and run up debt, even if you are a conservative borrower typically.
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