When Is the Best Time to Pay My Credit Card Bill?

Paying your credit card bills can actually involve a bit of strategy and forethought. You don’t just want to pay your bills on time — believe it or not, there’s actually more to it than that. The reasons to pay early are actually different than the reasons to avoid paying late. Keep reading to find…

What Is a Secured Credit Card?

Having a credit card tucked in your wallet offers a lot of financial flexibility. Not only can it help in a financial emergency when you’re short on cash, but it can also be necessary for simple tasks like making travel reservations. Most importantly, it can also help build or rebuild your credit. But if you…

Innovative Credit Cards You Might Not Have Heard About

The traditional credit card is a familiar concept for most people: you submit an application, receive your card in the mail, and start making purchases. Maybe you get some reward points when you pay off your balance or receive extra perks when you travel with certain brands. But in today’s tech-centered world, the credit card…

Understanding Your Rights with the Truth in Lending Act

Introduced by Senator William Proxmire and enacted on June 29, 1968, the Truth in Lending Act (TILA) was designed to help consumers better understand the credit terms and rates offered to them by lending institutions. Part of the broader Consumer Credit Protection Act, TILA ensures that all creditors use the same terminology and expression of…

What Is the Fair Credit Billing Act?

Have you ever received a bill from a creditor that contained errors? Did the merchant charge your card twice? Does your billing statement contain charges for items that were returned? Or maybe you’ve been assessed fees for late payments even though you’ve always paid on time. These are a few examples of common billing errors…

What Is the Chase 5/24 Rule?

A Chase credit card is one of the most sought after cards available. With multiple types available, often with lucrative signup bonuses and rewards programs, it’s no wonder why so many people apply. However, a few years ago, Chase introduced the 5/24 rule as part of the application process. It’s been increasingly enforced, making it…

7 Proven Ways to Reduce Your Credit Card Bill — for Good

More Americans than ever are in need of credit help. Overall U.S. household debt has steadily increased by over 10% in the last decade. The average household credit card debt is $16,748, for a total of $779 billion in credit debt nationally. If you need help paying off your credit card, you’re not alone. Thankfully,…

How to View Your Pre-Qualified and Pre-Approved Credit Card Offers

Gone are the days of checking your mailbox daily for the latest and greatest credit card offers. Thanks to modern day technology, you can now access your offers at your own convenience via the Internet. It’s a great way to navigate credit card offers on your own terms, rather than waiting for one to show…

How to Do a Credit Card Balance Transfer

If you have a large credit card balance with a low interest rate that is about to expire, it may be wise to transfer that debt to a better credit card account. Even when you have multiple smaller credit card bills with different payment dates, you may prefer a single payment to help keep your…