Credit Card Basics


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.


Freezing Your Credit: What You Should Know

A credit freeze, also known as a security freeze, is widely considered the best way to prevent the release of your credit score and credit report in order to protect against the instance of credit card fraud.


Is a Secured Airline Credit Card Right for You?

Life happens, and sometimes you just can’t have the best credit. This doesn’t mean, however, that you can’t find an airline rewards card that works for you and understands your financial situation. Today we’ll look at secured airline credit cards and what to expect.

the 524 rule what you need to know

The 5/24 Rule: What You Need To Know

Credit card companies employ rules and regulations that may lead card applicants to be rejected when they are unaware. What do you know about the 5/24 rule?

what is credit card churning

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?