How to report a death to credit bureaus
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Mourning the passing of a loved one is draining. Processing the loss takes time, but it's not wise to delay managing...
Financial Literacy Featured Articles
Is it better to choose “credit” when paying with a debit card?
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The distinction between credit and debit can get blurred, though, when you make a debit card purchase. The confusion stems from...
What is a credit card surcharge and how can it be avoided?
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While these fees are still not very widespread, more and more cardholders are encountering them and, not surprisingly, more consumers are...
How do 0% APR credit cards work?
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Credit cards offering introductory 0% APR (annual percentage rate) have become a staple of the credit card industry. I have been...
How does the Federal Reserve impact credit card interest?
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On Sept. 18, 2024, the Federal Reserve announced its first interest rate cut since 2020. Contrary to how Fed rate cuts...
What is buy now, pay later, and is it better than credit cards?
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If you're feeling overwhelmed with holiday shopping, you've probably noticed the array of buy now, pay later plans that are offered...
Should you use a credit repair service?
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A common question I've heard during my 25+ years in the consumer credit industry from consumers trying to repair or...
How much of your credit should you use?
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Wise use of credit can have a powerful impact on your finances. It helps you stay within your means and enables...
Are you using credit cards or are they using you?
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Most Americans have close relationships with their credit cards. They carry them everywhere and depend on them almost daily.
Does single credit card use lead to lower debt and better credit?
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I have been an expert in the consumer credit industry for over 25 years and one of the most common questions...