Posts Tagged ‘interest rates’

If you have credit card debt, you’re paying interest—unless you’re currently paying off debt with a zero-percent introductory offer. Even then, you’ll eventually need to pay interest on that credit card debt if you still have a balance once the introductory period ends. Nobody wants to pay credit card interest, but it’s just a requirement […]

Every month, the credit card bills come in like clockwork, and consumers have a few choices: They can pay off their balances completely, just pay the minimum payments, make larger payments, or ignore them (which, of course, is definitely not recommended). You may have questioned whether you should be making bigger payments than just the […]

Transferring a high-interest credit card balance onto another credit card with more favorable terms might seem like a no-brainer. While transferring credit card balances can be a good way to cut down on interest charges and help you to pay off debt faster, there are also some things to consider before you do a balance […]

House hunting can be an exciting time, but if you’re financing your home, obtaining a mortgage is a necessary first step. Although a pre-approval is not ironclad, it’s usually a pretty good indication of the financing you can expect to receive when it’s time to close on your home. Because so many homeowners are just […]

Getting rid of credit card debt can seem like an overwhelming task—especially if you have multiple credit cards. But if you’re ready to be free of credit card debt once and for all, some of the following tips can help: Make more than the minimum payment You can get stuck in what seems like an […]

There are so many different things that will affect your credit score, that it can be difficult to know what factors actually don’t have an impact on credit rating. In fact, many consumers are often surprised—whether it’s a huge relief or a bit of disappointment—to learn that some of the following actually have no effect […]

If you’re like a lot of the other consumers who are in the market for a new car, you plan on financing your purchase. Whether you’re buying your first car or auto loans are nothing new to you, the following tips can be help you prepare: Explore your financing options You’ll generally have two options […]

Is it time to apply for your next credit card? Whether you’re thinking about getting a second credit card, or you want to replace your current (and only) credit card, the following are some signs that it may be the right time: You aren’t receiving any rewards Do you use your credit card for daily […]

If you’re applying for your first credit card, here are some tips: Shop around Don’t just apply for the first good offer you receive in the mail; compare all of your options and pick the credit card that is best for you. You might also want to look into other types of credit cards for […]

Opening up your very first credit card is often the initial step in establishing credit. It can be an exciting time, but it’s also important to pick the right credit card, especially since each credit application can affect your credit score. If you’re applying for your first credit card, here are some tips: Carefully consider […]