Education on Credit Cards
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Does paying rent build your credit score?
For students & others seeking to establish credit history, rent reporting is a great alternative to taking on loans or lines of credit that might encourage additional spending.
Do authorized credit card users help to build credit?
At the start of your financial journey, building credit can seem impossible. How do you establish a credit history when you aren't approved for a loan or a credit card?
Does paying student loans help to build your credit history?
Student loans are an opportunity to show that you can make regular payments on your debt. They help by boosting your average account age & diversifying your account mix.
When does interest start to accrue on a credit card?
Understanding how you're charged interest rate fees on your credit card is the key to knowing how to manage your card debt. Here's how it works.
What are credit card cash back rewards?
Cash back rewards are bonuses provided to customers when they use their cards to make purchases. Cash back rewards can take the form of dollars or points.
How hard versus soft credit inquiries affect your score
Lenders perform hard & soft inquiries through credit bureaus. Your credit score shows them your payment history, opened lines of credit, amount of owed debt & more.
Smart ways to reduce your credit card debt
Setting up a solid foundation for good spending habits and debt control is the key to your financial success. Here are some tips to help you on your way.
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.
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.