Credit Card Basics

It’s International Credit Union Day and we’re highlighting the top 3 reasons to switch to a credit union from your traditional bank.

Want to apply for a new credit card? Unsure of what limitations may be in place that could see your application rejected? Read our blog and get answers!

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.

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.

Recently, more and more lenders have begun offering automotive rewards cards to tempt consumers to use their credit card as a way to earn rewards towards cashback – either on parts or as savings towards a new vehicle.

When you owe money to multiple lenders how do you decide what to pay off first? (Spoiler alert: credit card debt is the winner)

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.

Retail cards have a bad rep – but do they deserve it? The problem isn’t with the retail cards themselves but it’s how you’ve been thinking about them.

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?

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?

Making certain transactions with a credit card can hurt you rather than help you. Learn when you’re better off leaving your credit card in your wallet.

Learn how the Fair Credit Reporting Act looks out for you and your credit information. See how reporting agencies must abide by the legislation’s rules.