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How Credit Cards Work

What do credit card issuers look at besides your FICO score?

There is a lot of worry going around about the FICO credit score. For good reason. You've heard a lot about how it's not to be trifled with. Managing a FICO credit score can be a little like what it must be like to diffuse a bomb. Carry too much debt, and ka-blooey! Never, ever carry debt, [...]

Categories: Card Basics
7 reasons to carry a non-rewards credit card

Credit card rewards can be exciting and enticing: cash back, signup bonuses, easy point-gaining potential and more. It's these incentives that often draw people to new cards in the first place. But not so fast… It's true that we love the perks of rewards credit cards, and we certainly agree that they can be fantastic cards to [...]

Categories: Card Advantages
Venture®, VentureOne® cardholders earn 10 miles/$1 with Hotels.com

It just got easier to rack up miles with your CardNamediscontinued or CardName. That's because Capital One today announced a new partnership with Hotels.com through which cardholders will earn 10 miles per $1 spent when they book stays through Hotels.com/Venture on their CardName or CardName through Jan. 31, 2020. That means hotel, resort or vacation rentals booked through [...]

Categories: Card Advantages
The top 4 credit cards for tech professionals (and why you need one)

As tech professionals, very often you ARE your own business. Whether you're a consultant, freelance developer or content provider or perhaps you run a small business that helps connect those people in the tech industry, you know that working in the tech world comes with a unique set of business needs and expenses. You benefit [...]

Categories: Card Advantages
Waived annual fees, zero interest and more credit card perks for active-duty military

As a way to say "thank you," both the country and credit card companies offer special benefits for active-duty military members and, in some cases, their spouses. No matter your credit card, active-duty military members and their spouses are eligible for benefits related to the Servicemembers Civil Rights Act (SCRA). The SCRA provides financial help to [...]

Categories: Card Advantages
Guide to getting a credit card for foreign students, immigrants, H-1B visa holders

TABLE OF CONTENTSFIRST STEP: FIND AN AMERICAN BANK SECOND STEP: FIND A JOB THIRD STEP: GET A SOCIAL SECURITY NUMBER OR TAXPAYER IDENTIFICATION NUMBER NOW, CAN I GET A CREDIT CARD? AMERICAN CREDIT SCORES AND CREDIT HISTORIES VS. OTHER COUNTRIES' SYSTEMS THE SECURED CREDIT CARD OPTION OTHER OPTIONS FOR BUILDING CREDITIf you're looking to apply for a credit card, you probably [...]

Categories: Card Basics
3 reasons you need more than one credit card

Your credit card is lonely. And, more importantly, your rewards probably aren't racking up as quickly as they could be or working for you as hard as they should be. Maybe you've heard that you should have more than one credit card in your wallet or, conversely, maybe you've heard that one credit card is all [...]

Categories: Card Basics
How do credit card issuers define 'travel'?

This is about the time of year when everyone starts thinking about redeeming travel rewards. That is, school is out and the kids are free (and bored) or maybe you're just badly wanting an escape from your everyday grind. Whatever your rationale, if you're searching for a place to travel, you'd do well to search [...]

Categories: Card Basics
Age-by-age guide to teaching kids about money

If you're a parent who has ever made any questionable financial decisions, like buying a car you really couldn't afford or skipping a bill payment in order to buy a new sweater, you've promised yourself - my kids are not going to make the same mistakes. But your kids probably aren't listening to you now when [...]

Categories: Card Basics
Credit card guide to Spring Break: 6 things to know before you go

Your bags are packed, your reservations are made, and spring break looks like it's going to be legendary. But legendary can go both ways. So the question is, will you remember your vacation because it was one of the best weeks of your life, or the worst? After all, while there are many factors that can [...]

Categories: Card Basics
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