Credit Card Reconsideration Lines

No one likes having a credit card application denied. In a best case scenario, it leaves you unable to take advantage of a rewards program you’ve been eyeing. In a worst case scenario, it leaves you cash-strapped when you need that extra credit line to cover a financial emergency. You might be surprised to hear…

Best Synchrony Bank Credit Cards for 2017

If you currently have a store credit card or have thought about getting one, there’s a good chance that it’s from Synchrony Bank. With more than 85 years of experience in the financial services industry, Synchronize partners with well-known retail brands across the country. The company has over 69 million customer accounts, demonstrating just how…

Best Comenity Bank Credit Cards for 2017

Comenity Bank is a financial services company that offers credit cards through national retail chains to consumers around the country. In fact, the 30-year old company has more than 50 million card members through its various credit card programs. So what makes Comenity Bank and its store credit cards so special? For many people with…

The “Shopping Cart Trick” for Store Credit Cards

Having bad credit comes with more than a few downsides. But two of the biggest concerns are how to qualify for new credit accounts and how to fix your existing credit. There’s actually a simple strategy that, in many instances, can help you do both. It’s known as the “shopping cart trick,” or sometimes the…

How to Report Income on Credit Card Applications

Applying for a credit card isn’t a very difficult process, but the basic information you’re asked to submit has a huge bearing on whether or not you’re approved. In addition to personal data like your name, date of birth, address, and social security number, you’ll also be asked to state your annual income amount. Utilizing…

Credit Cards for Bad Credit

What Are My Credit Card Options When I Have Bad Credit? Many Americans find themselves in exactly the same place when it comes to their credit rating – not where they would like to be. How do people with bad credit get credit cards? Four Main Options Consumers with poor credit generally have these options…

Credit Cards

Credit Cards, A Love – Hate Relationship for Most People Credit Cards, for many people, are a fact of life. Like them or hate them, modern life requires their use and sometimes things can’t get done without a credit card. Airplane tickets, hotel reservations, and even some internet activities require the use of a credit…

How Is Credit Card Interest Calculated?

If you have a credit card, you may know that interest is added to your balance until you pay it off. However, you may not understand what each of the terms surrounding interest rates mean. You’ll hear words like annual percentage rate or APR, daily interest rate and average daily balance. It can be quite…

Everything You Need to Know About Cash Advances

When you get a credit card, you should receive information about the various terms and rates for the different ways you use the card. One option is to receive a cash advance. While you may know that a cash advance means you get cash to spend how you want, you may not be aware of…

Everything You Need to Know About Credit Card Interest

When you apply for a credit card, the interest rate may be one factor that influences your decision on which one to get. Interest rates can vary and often add a lot to the payment amount you must make, so it is a sensible decision to factor it in when selecting a credit card. However,…