How To Rebuild Your Credit After Bankruptcy?
Bankruptcy discourages many creditors and lenders to do business with you. However, if you have a strategy in place after bankruptcy then you might just be able to get back on your feet financially.
When you file for bankruptcy, your credit score takes a hit and will end up in the lowest rankings depending on the severity of your bankruptcy and your past credit history.
However, there are ways that you can build better credit after you have – Read more
How to Buy Online with a Credit Card
With an online purchase you will usually have to pay with a credit card, debit card or with a gift card.
If you are new to online purchasing then the process can be a little confusing, here is how you can pay online with your credit card.
Before You Buy
Before you can buy online you need to add the items to your online shopping cart. Each item will have an Add to Cart button that you will need to click. When you have everything you want you – Read more
Top Mobile Credit Card Readers 2016
Smartphones are able to almost anything and with a mobile credit card reader you can get rid of those old tills and start to accept debit and credit cards immediately from your mobile device.
Here is a look at the top mobile credit card readers 2016.
Square does cost money, but it is an affordable option. You are able to use Square on various mobile devices to accept credit cards. The Square experience is one of the best for both buyers – Read more
Top Balance Transfer Credit Card Offers
If you have a high interest debt, you do have the option of moving this to a balance transfer card that will offer an interest free promotional period, giving you time to pay off the balance with no interest.
Here is a look at the top balance transfer credit cards.
Best $0 Intro Transfer Fee – Chase Slate
This card offers an introductory balance transfer fee of $0 for transfers in the first 60 days. There is a 0% annual fee, a 0% intro APR f – Read more
How Credit Card Transactions Work
There are a lot of processes involved in a credit card transaction and they start from when you swipe your card to when you sign.
It is these processes that happen which you don’t see that make it possible for you to make purchases with your credit card.
Every transaction has certain entities involved, those being:
The customer with a credit card
The merchant that sells the goods or services
The merchants bank
The credit card payment n – Read more
How to Choose a Credit Card
A credit card can be quite handy but it can cause damage if it is used irresponsibly. This means that you need to choose the right credit card for what you need it for.
There are some factors that you need to look at when you choose a credit card.
You need to first determine how you will be choosing your credit card. Are you the type of person that will pay their credit card in full every month or do you think you will be carrying a – Read more
What is a Credit Card Annual Fee?
A credit card annual fee is a fee that is charged automatically once a year to your credit card account for having the convenience of using a credit card.
Cards with an Annual Fee
Not all credit cards charge an annual fee. Credit cards that is more likely to have annual fees include premium credit cards, reward credit cards and secured credit cards.
An annual fee then increases the cost of having a credit card, so if you are being charged an annual – Read more
What is in Your Credit Report?
When you first read your credit report it can seem confusing especially when you have had many accounts open for a long period of time. It can be easier to read your credit report when you know what is appearing on it.
Your Name and Variations
There could be different versions and even misspellings of your name in your credit report.
Your credit report is created from information that is given from your creditors and lenders. The name that you put – Read more
Do you have too Many Credit Cards?
If you are going through your wallet and see that every slot has a credit card you may wonder if you have too many. You might also be thinking about opening new credit accounts and you want to be sure that another credit card wont effect your credit. So do you have too many credit cards?
High Debt to Income Ratio
When lenders look at your loan application the available credit is seen as opportunity for debt. Your debt to income ratio could be – Read more
Getting a Credit Card with No Credit History
Those that do not have credit with have a harder time getting approved for a credit card. This is due to the fact that you do not have a credit score yet and you will not have one unless you have at least one active account on your credit report for 6 months.
However, there are credit cards that have been specifically designed for those with no credit.
You Need a Job
You will need to have an income that allows you to make the repayments – Read more