When comparing two cards, should I get the one that has a smaller APR with a high annual fee, or the one with a bigger APR with a small annual fee?
The best credit card for your situation always depends on your overall relationship with cash. Your decision really comes down to a few key factors:
How much of a balance you intend to carry each month.
How much you intend to charge on your card every year.
The interest you could earn by using credit instead of cash [...]
I'm looking for a low interest rate credit card with cash advances and no fees. My credit is excellent.
A handful of smaller issuers specialize in low APR credit card offers for excellent credit. You've probably never heard their names and they rarely advertise, yet they sailed through the financial crisis relatively unscathed due to their stringent portfolio standards.
Simmons Bank Platinum Visa. With only a four percentage point spread from the Prime Rate, the Simmons [...]
I have an excellent record for payments on all my cards, but I'm paying as high as 29 percent interest. How can I lower the rate?
Lots of factors could contribute to your relatively high finance charge, ranging from the relationship you've got with your bank to the way you manage your balances.
In the wake of the Credit CARD Act's passage, consumers wondered what happened to the "protections" lawmakers promised them. After all, hiking the minimum payments and bumping interest rates [...]
What are our best options for credit? Husband, who already has a current card, applying for another? Wife without a card applying for one? Or a joint card?
Q: What are our best options for credit? Husband, who already has a current card, applying for another? Wife without a card applying for one? Or a joint card?
A: I'm not sure who is writing me, husband or wife, so I'll just answer as if you were both sitting across from me.
I also don't have [...]
I am about to get a job soon, paying at least $33,000 annually. Right now, I make $11,000 a year. Should I wait to apply?
Q: I am about to get a job soon, paying at least $33,000 annually. Right now, I make $11,000 a year. Should I wait to apply?
A: Yes. Si. Oui. Da. And, boy, I'm not much of a linguist. But, yes, absolutely wait.
In theory, if you're making $11,000 a year, and you've kept your nose clean [...]