Credit card debt can drag you down financially. The bigger your debt, the more money you’ll waste on interest payments. Not only that, but your higher debt credit utilization ratio will negatively impact your credit score, which can make the cost of borrowing higher when it comes time to lease a car, purchase a home or take out a small business loan. Fortunately, there are a few strategies for reducing your credit card debt burden.
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Credit card companies make money by charging interest on account balances and by levying an array of fees on both cardholders and merchants. These fees may apply to a variety of transactions, though these conditions can vary widely from one credit card offer to the next. But how do these sources of revenue translate into the enormous profits enjoyed by the major credit card networks and card issuers? Read on to find out exactly how credit card companies make money and how you can keep more of your money in your pocket.
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Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit AmericanExpress.com to learn more. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com. This compensation may impact how and where links appear on […]
8 min read
Wondering how to find a temporary Amex credit card number? Leveraging my expertise in credit card services, I’ve explored this feature offered by American Express. American Express® doesn’t provide temporary card numbers; however, their Instant Card Number feature offers similar benefits. This article will walk you through using the Instant Card Number, offering steps and […]
8 min read
Using a credit card for everyday purchases, travel expenses, or big-ticket items can be a convenient way to stretch your family’s budget, build your credit history, and expand your household purchasing power. But did you know that credit cards also offer plenty of great ways for families to save money? Read on for a look at these 10 ways that families can save money by using credit cards.
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Moms keep a finger on the pulse of the household. She makes sure there’s food in the pantry, takes everyone clothes shopping, and gets the kids to where they need to go with the right equipment. That means mom is always buying stuff everyone needs to achieve their goals for that day no matter if […]
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Congratulations! You’re a new homeowner. But with the cost of homeownership up around 73% over the past few decades, the expense of purchasing a house has likely left you feeling a little strapped. That’s especially true because the expenses don’t stop once you purchase your property. The average monthly cost of owning a home is […]
19 min read
We all need reliable wheels to get around town for work, play, or take care of our daily errands. Recent statistics from the U.S. government reflect that 95% of American households own a car, and most Americans commute to work by automobile. Americans love our rides, but interestingly enough, according to government data, we rank […]
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From remodeling your home office to furnishing your startup workspace, the right furniture can make all the difference: Helping you and your staff stay focused, productive, and healthy. Or maybe instead, you’re looking to freshen up your new or newly-remodeled home decor. Regardless of why you’re interested in buying an armchair, couch, dressers, or dining […]
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Congratulations! You’ve decided to pop the question to your significant other. Maybe you’re planning a wedding or some kind of commitment ceremony that suits your values. Either way, engagement rings cost a lot. Here is the ultimate list of the best credit card to buy an engagement ring. Best Credit Card to Buy an Engagement […]
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Whether you’re looking for a card to improve your credit score, never had a credit card, or just want one that pays off in rewards when you use it, finding the best cards for seniors can be challenging. When choosing the best credit card for seniors, there are many factors to consider, including why seniors […]
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Plummeting credit score because your business card is reported to personal credit can harm your prospects. I, too, was stunned when my score took an unexpected hit. I had missed a few payments, and my business and personal finances got mixed up. Then, I dug deeper and found out which business cards do not report […]
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What’s the best way to finance that trip of a lifetime? With careful planning and budgeting, using credit cards for your next vacation can be a great way to enjoy the freedom of the open road. You can also get benefits on gas and hotels, among many other travel expenses. With the best credit card […]
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Warm weather got you itching to update your home interior? We’ve spent much more time at home lately, so there’s no better time to finish the job. This time, though, we’re not talking about a new coat of paint, new furniture, or just some new pictures on the wall. We mean removing that wall completely […]
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A good credit score touches every aspect of our financial life. With little or no credit, critical loan applications may be denied. A loan application may be approved with a poor credit score but only with a higher interest rate than you would otherwise have to pay. Those two examples are just the tip of […]
10 min read
This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. Not qualifying for better cash-back cards because of a […]
8 min read
Searching for the best credit card for internet bill payments? In today’s digital age, choosing the right card for online expenses is crucial. With my expertise in credit cards, I’ve analyzed various options. In this article, I’ll highlight the top credit cards ideal for internet bills, offering insights to enhance your online payment strategy. Our […]
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