living room set

Is Financing Furniture With a Store Credit Card Ever a Good Idea?

For many Americans, summertime means big transitions: new jobs, new cities, and often even new homes. And as just about any homebuyer can attest, a

debit card

Personal Finance 101: What Is a Debit Card?

A debit card looks like a credit card — and functions like one at the cash register — but acts as a direct link to

frustrated man with credit card

How Is Credit Card Interest Calculated?

Paying credit card interest is painful enough. Figuring out how that interest is calculated? That’s almost as bad! The entire process is rife with complexity

couple signing loan paperwork

Five Ways to Improve Your Credit Score Without a Credit Card

Unless you have enough cash to finance your entire life, you’ll probably need credit at some point. Whether you’ll need to take out a mortgage

credit cards

How Do Credit Cards Work?

Credit cards are complex financial tools that get a lot of praise – and a lot of flak. When used properly, they can work as

application form

What Can I Do If My Credit Card Application is Denied?

If you’ve ever applied for a credit card and been denied, you’re probably wondering whether you did something wrong. Let’s face it – rejection hurts, even

Credit cards

Will Getting Multiple Credit Cards Hurt My Credit Score?

As a credit card rewards enthusiast and credit expert, I am constantly asked the same set of questions. Not only do people want to know

Credit cards in wallet

Eight Hidden Benefits of Credit Cards

In 2013, Lance Cothern and his fiancé, Victoria, purchased a $250 wedding dress from a retailer based in China. Unfortunately, while the dress arrived intact,

paying credit card bill

Will I Still Earn Rewards Points If I Pay Off My Card Early?

Chances are, you’ve heard and believed at least one “credit card myth” before. For example, people love to talk about the fact that pursuing credit

Credit cards

The State of American Credit Card Debt in 2015

Americans continue to dig a deeper hole when it comes to credit card debt. According to the Federal Reserve and other government statistics, our penchant

man holding credit card

Eight Tips to Make Credit Cards Work for You, Not Against You

A credit card can be a valuable tool if you know how to use it properly. Likewise, using credit cards irresponsibly can lead to a

man with credit card using laptop

How to Create a Budget With a Credit Card

In the world of personal finance, it’s not very often that you hear “credit card” and “budget” used in the same sentence. Still, I have

Protecting Against Credit Card Fraud

With credit cards quickly becoming the most popular form of payment around the globe, it’s no wonder that credit card fraud is on the rise.

airplane in the snow

Looking for Travel Insurance? Check Your Wallet First

Just last winter, my husband and I took a much-anticipated vacation to Jamaica with some friends. Not only was it a nice way to break

Gift card kiosk

Guide to the Gift Card Economy

Love ‘em or hate ‘em, gift cards continue to be one of the most popular presents to give and receive. According to a study by

Compulsive shopper

10 Strategies for Beating a Spending Addiction

Most of us enjoy occasional splurges where we buy new things for ourselves – that’s normal. However, for some people, that rush grows into an

Paying bills

Five Simple Steps to Improve Your Credit

A good credit score and solid credit history are the cornerstone of any lucrative credit card rewards strategy. So if you’re lacking in that department,

Back in Debt? A Strategy to Pay It Off for Good

Debt is one of those things that’s very easy to get into and much more difficult to get out of. I spent 14 months getting out of

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