Full Articles List

Phishing Scam Protection

The number and sophistication of credit card fraud is increasing every year. The explosive growth of e-commerce has attracted the attention of everyone, including online criminals who want to trick you into revealing credit card numbers, personal data and passwords. Such scam is called "phishing" because the criminals are fishing for your valuable information. The number of phishing e-mails sent world-wide each month reaches 6.1 million. The best protection against this growing threat is to be aware of the problem, and to be alert when conducting your online business.

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Credit Card Payments

Credit cards are useful financial tools due to their convenience, flexibility and great purchasing power. However, don't forget that they come not only with privileges, but with responsibilities too. If you borrow money, sooner or later you need to repay your debt. When you have an individual account, you alone are liable for paying off your balance. But what if you share a credit card with someone else? Find out what it means to be a joint credit card holder or an authorized user and who is responsible for credit card payments in each case.

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Credit Cards for No Credit

Having no credit history limits your ability to get a mortgage, buy a new car, or even get a job that you want. One of the best ways to establish credit is to apply for a suitable credit card and show that you can manage it responsibly. If you have no financial experience, it can be a difficult task to navigate through numerous enticing credit card offers to find the right plastic. Our article will tell you about the main features of different credit cards for people with no credit.

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Credit Card Emergency Assistance

Having your plastic handy on vacations in foreign countries is a good idea. Credit cards let you book reservations, rent a car, make purchases, and withdraw cash at any ATM machine around the world. Moreover, many credit companies offer special travel insurances: the flight insurance, the travel accident insurance or the baggage delay coverage. However, nobody can be protected from all troubles that can occur while you are traveling worldwide. Your plastic can be lost or stolen. Our article will tell you about card-related emergency assistance that lenders offer and how it works.

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Business Credit History

Establishing business credit is extremely important. You certainly know how your personal credit history can influence your ability to get beneficial loans in future. In the same way, business credit plays a big role in the success of your company. It shows where your business stands financially. Potential lenders, suppliers or investors review your credit report before deciding to do business with you. Moreover, by establishing your business credit history you will protect your personal credit file from any debts that your company may incur. That's why building strong business credit should become your top priority.

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Bad Credit Score Improvement

Credit score does matter a lot when you decide to apply for a credit card. The more points you have, the less interest or fees you will pay. Just compare: credit card applicants with a score of 760 or higher can qualify for an average interest rate of 8%. But for borrowers with scores below 620 the average APR is 14%. That translates into hundreds of dollars you will need to pay each month. So if you want to qualify for beneficial credit card offers, you need to improve your credit rating.

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Balance Transfer Credit Cards

If you have an interest-bearing debt, you can consider transferring the balance to a 0% interest rate credit card. It is an effective way to eliminate high interest debt and become debt free sooner. Why spend hundreds of dollars on interest charges when you can use your money more efficiently? Moreover, many balance transfer credit cards come with high credit limits, moderate fees, reward points and cash back for qualified applicants, so they can become a real treasure for your wallet. Our tips will help you to avoid pitfalls and make a beneficial deal.

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Credit Score Basics

FICO score is a key factor that proves your reliability and creditworthiness for potential lenders. Good credit is valuable. It opens you doors for the best credit card offers with tempting APR and moderate fees. Having a low score can give you a hard time to find a suitable plastic. Credit companies can reduce your credit limit or require to a deposit a set amount of money on a savings account. By understanding the factors that affect your credit score, you will be able to improve and maintain your good credit rating.

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Credit Card Safety Features

Millions of customers benefit from the convenience and flexibility of credit card usage. Plastics eliminate the need to carry large amounts of cash, and enable us to make purchases over the phone and internet. However, these advantages also apply to scammers who wish to make fraudulent purchases on credit cards. No need to tell how important it is to keep your credit cards safe. There are several steps you could follow to reduce the possibility of fraud: for example, disclose your PIN. Creditors take protective measures as well to ensure no breach of security. They offer special credit card features to prevent fraudulent transactions.

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Benefit from Credit Cards

It's interesting to know that credit card debt can be good or bad. Good credit debt means that the value of your purchases will not depreciate earlier than you pay it off. Making a car purchase with a credit card is usually referred to the bad debt category. However, you are able to make a good deal by getting rewards. Let's find out how to make your purchase beneficial and save on charges.

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