Credit Card Basics – Searching for fundamental credit card knowledge? Learn everything from key definitions to the process of purchasing items using credit cards here.

What is Debt-to-Income Ratio?

The debt-to-income ratio (also known as DTI ratio) evaluates how much of your income goes towards your current debts. Learn how to calculate DTI, why it matters, and how it's different from credit utilization percentage.

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What Is Credit Card Churning?

Credit cards companies often entice new applicants with the prospect of instant amazing rewards, leading some to churn through cards in a race to collect the most bonuses. Is credit card churning a good practice, however, and how does it effect credit scores?

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