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Authors
Curtis Arnold, Editor-in-Chief
Joe Taylor Jr., Reporter
Amber Stubbs, Managing Editor
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Average RatingAnswer By Joe Taylor Jr. : Believe it or not, your 700 FICO score actually ranks as "fair to neutral" under today's economic conditions. Since you might not have to resort to a secured credit card to boost your credit score, you may want to start by shopping for credit cards for fair credit. Ever since the 2008 financial crisis and the [...] Read More
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Average RatingAnswer By Joe Taylor Jr. : Thanks for following the trail from Time.com back to our home base at CardRatings.com. Journalists constantly ask us to recommend the best credit cards for their readers, and we're always excited to offer our suggestions to readers who submit questions like yours. Many Americans with poor credit, bad credit or no credit have embraced the relative [...] Read More
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Average RatingAnswer By Geoff Williams : It sounds like you've had quite a ride, financially, but I'm glad things are moving in the right direction, and certainly rebuilding your credit will only help you to go forward. Here's how I'd recommend going about it. Since your credit is already maxed out, I would not try to add any new credit cards right [...] Read More
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Average RatingAnswer By Geoff Williams : Yikes. This is like looking in a mirror. I actually did something similar about 20 years ago, shortly after I graduated college. I lent my brother $5,000 on my credit card, for a business venture he was attempting, with the understanding that he would pay me back every month until it was paid off. Well, my [...] Read More
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Average RatingAnswer By Geoff Williams : Patience. That's what I'd recommend. A credit score of 600 is borderline "poor." I don't know how you got there, but as you're clearly aware, there's plenty of room for improvement. Qualifying for a lower mortgage interest rate is a wise goal, but I'm guessing you're at least six to 12 months away from being [...] Read More
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Average RatingAnswer By Lynnette Khalfani-Cox : First of all, there are three ways to avoid paying any interest on a credit card. The first method is to pay off any debt that you charge in full each month prior to the due date. This means you never carry a balance on your credit cards. A second way to avoid paying interest charges is [...] Read More
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Average RatingAnswer By Geoff Williams : Q: We do not want a credit card, but realize we need a credit score to receive a loan for a home in the future. My husband and I both had a credit card with good scores but cancelled them almost a year ago. Now we need to apply for another card. Which should we [...] Read More
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Average RatingAnswer By Joe Taylor Jr. : Q: I make plenty of money, but I need a credit card just to build credit. I'm 34 years old, and have a 640 credit score. I travel overseas 3 times a year on Delta. Any suggestions? A: You've already cracked the Catch-22 of credit: You can't prove how good you are at managing your credit [...] Read MoreComments |This question is about: American Express Credit Cards | Frequent Flyer Credit Cards | Travel Rewards | Build / Rebuild Credit
