Recent Articles

Does getting denied for a credit card hurt your credit?

By John Schmoll | Updated on September 11, 2024

Applying for a new credit card is relatively straightforward. You provide the requested information and wait a few minutes to receive...

What to do if your credit card issuer lowers your credit limit

By Erica Lamberg | Updated on September 10, 2024

It can be surprising to realize that your credit limit has suddenly been cut. A dip in available credit may or...

Want an advance on your paycheck? You may be better off using your credit card

By Richard Barrington | Updated on September 9, 2024

People often find that making ends meet is just a matter of timing. Especially for people who get paid every two...

Can I use a personal card for business expenses?

By Adam Frankel | Updated on September 6, 2024

There’s no rule prohibiting the use of a personal card for business expenses, and many small business owners may choose to...

Does single credit card use lead to lower debt and better credit?

By Curtis Arnold | Updated on September 16, 2024

I have been an expert in the consumer credit industry for over 25 years and one of the most common questions...

7 credit card tips for college students

By John Schmoll | Updated on September 4, 2024

It's not cheap to be a college student. Books, tuition, and simple living expenses all require ample resources. A credit card...

Guide to Chase Refer-A-Friend referral bonus program

By Adam Frankel | Updated on June 24, 2025

Chase Refer-A-Friend is Chase’s incentive program which lets you earn rewards if someone uses your referral link to apply for a...

How your credit card average daily balance impacts interest rates

By Choncé Maddox | Updated on May 27, 2025

For all the benefits credit cards can offer, one of the major drawbacks is interest. When you don't pay your balance...

Fed poised to cut rates – How will your credit card benefit?

By John Schmoll | Updated on August 29, 2024

Inflation has made managing finances a challenge for many Americans since the COVID-19 pandemic. In an attempt to manage inflation, the...

10 expenses to charge to a business credit card

By Choncé Maddox | Updated on June 24, 2025

Running a business involves managing various expenses, from office supplies to travel costs. Using a business credit card for these transactions...

Guide to Chase Sapphire Preferred® and Reserve® benefits

By Adam Frankel | Updated on June 23, 2025

Those who spend a fair chunk of their budget on dining and travel will appreciate the Sapphire Preferred’s generous rewards rate...

Practical solutions to common credit card complaints

By Curtis Arnold | Updated on February 7, 2025

The major consumer complaints that the CFPB received seemed to be centered around four areas:

Strategies to level up your IHG elite status

By Choncé Maddox | Updated on August 19, 2024

Elite membership status levels include Silver Elite, Gold Elite, Platinum Elite, and Diamond Elite, each offering progressively better perks like bonus...

Can I use household income on my credit card application?

By Erica Lamberg | Updated on June 3, 2025

When you apply for a credit card, there are several factors that can impact your chances for approval. Two major considerations...

How much does back-to-school borrowing add to your costs?

By Richard Barrington | Updated on August 14, 2024

Back-to-school shopping has millions of Americans reaching for their credit cards. That may be a convenient solution, but it can also...