Education on Credit Cards
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What, exactly, is credit utilization ratio?
Learn about your credit utilization ratio, from how it works to what it can tell lenders about your credit history.
How to score a lower interest rate on a credit card
A lower interest rate means more payments go toward bringing down your current balance so you can get out of debt quicker than if you were focused on paying off added interest.
How to calculate credit card APR charges
Understanding APR can help your finances. Learning about interest charges will help you prioritize debts & determine the credit card balance you can afford.
What is debt to income ratio and why is it important?
Shopping around for a credit card or a loan? You'll want to get familiar with your debt-to-income (DTI) ratio.
Can you pay off a loan with a credit card?
Answer: Maybe. Here are some steps for researching and comparing credit cards and loan rates to decide if this is the right option for you.
Can you pay monthly bills with a credit card?
Paying monthly bills through credit cards can affect your credit score. It also organizes your memberships & subscriptions in one place & can help you earn rewards.
How to consolidate your credit card debt
Debt consolidation means to bring all of your balances to a single bill & it can be a useful way to manage your debt. Here's how to consolidate your credit card debt.
Why did your credit card APR increase?
By understanding the factors that increase APR you can make lifestyle & financial decisions to reduce your interest charges. So what are the factors that can affect APR?
APR and interest rate: How are they different?
Understanding how the interest rate and APR work can make all the difference in controlling your debt. Here's a 101 on how credit cards and APRs work.