Education on Credit Cards
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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.
Are co-signers needed for student credit cards?
Getting a credit card is an important step in your financial journey. If you're under 21 you may need a cosigner to sign up for a student credit card.
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.
What is a secured credit card and do you need one?
Unlike regular credit cards, which let you make purchases & pay off your debt in the future, secured credit cards require you to provide a deposit as collateral before you can use it.
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.
Halt credit card fraud this holiday season
The holiday season is a peak time for spikes in credit card fraud. Help safeguard your cards and credit this holiday season by following these important tips.
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.