Guides
How to Build Credit Up The Most Efficient Way From 0
We’ve heard time and time again that building your credit is very important in your life. That is true in the United States, where our credit score can impact if …
The Different Retirement Accounts You Should Know About
Unfortunately, we live in a time where most jobs do not pay a pension. Instead, we as individuals have to pay for our own retirement. If we get on it …
Best Ways to Pay off Debt: Snowball vs Avalanche
Debt plays a big part of many American’s lives. Back in 2016, the American household had over $16,000 in credit card debt. While that number has dropped over the last …
Shopping Cart Trick To Get Approved for Credit Cards / Better Offers
As unfortunate as it may be, sometimes some of us get into a credit rut. Starting fresh with a new credit report is easy to fix into something really spectacular if you go about it the right way. When it comes to rebuilding credit though, its much harder to go…
Business Credit Card 101 – How To Get Approved For Your First Card
When it comes to credit cards, there are a few differently levels of credit cards. As an individual person, you are probably familiar with consumer credit cards, but there are also credit cards targeted towards business, and for large companies, there are corporate credit cards. For this article, we are…
Why Credit Cards With Annual Fees Can Be Worth It
When I first got into credit cards, I thought it was really dumb to pay an annual fee. Why would I pay to have a credit card? I’m already paying every time I use the card! Granted, this thought process also came at a time when money was much tighter…
How to Get 3x Credit Limit Increases on American Express
You just got a shiny new American Express credit card, but is the credit limit a little bit too small for your liking? If you’re willing to give it some time, it is actually pretty easy to grow it a large degree. Even better, you wont be getting those dirty…
Upgrading and Downgrading Credit Cards
You may not even realize it, but you actually are not stuck with the credit card(s) that you currently have. Depending on the card you hold, you may be able to upgrade/downgrade the card to something that’s more useful, or more economical for you. Why Upgrading or downgrading Cards May…
How To Transfer Points Over to Transfer Partners
We’ve learned that the best way to travel with the use of credit cards is by earning and using points. But when it comes time to take a vacation or to travel for business, what’s the best way to do it, and how do we actually go about doing it?…
How to Turn Cashback Into Ultimate Reward Points
The debate between cashback and credit card points is one that will go on until the end of time. There is one fact and benefit that is indisputable though, and that is if you want to travel, or use your points for traveling, then you are much better earning points…
How to Dispute Something on Your Credit Report
As Americans, a large part of our adult life is dictated by our credit score. It would be in our best interest then, to make sure that everything on there is supposed to be there, or is showing correctly. Any sort of inaccuracies or negative information can wreck havoc on…
All Zero Except One Method of Maximizing Your Credit Score
At one point or another we are going to need to apply for something where our credit score is required. A new credit card, a personal loan, or even a mortgage all require a credit check. So what is the best method on maximizing your credit score before you apply?…
Chase’s 5/24 Rule: In Depth
Chances are, if you’ve been poking around the credit card community, you’ve heard of or seen the term 5/24. Whether someone being under 5/24, over 5/24, or something not being worth a 5/24 slot. But what does it all mean? The 5/24 Rule: The 5/24 rule states that Chase will…
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