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.