Please update your browser.Credit Cards | Basics
Building blocks of a credit history
Credit cards can be useful tools to help even out your monthly cash flow, and give you the reassuring feeling of having access to credit for a rainy day. But these kinds of financial health benefits only work if you prudently manage your credit use.
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How & when to use your credit card
To ensure your credit score stays high and your balances stay low, you need to follow few credit principles on how to use a credit card. Follow a healthy credit journey with these tips from Chase.
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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.
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What is debt to income ratio and why is it important?
Understand the debt-to-income ratio and its significance in personal finance. Learn how to calculate your debt-to-income ratio and why lenders use it.
What you pay for with credit
There are drawbacks and advantages to using credit cards for most incurred costs. Learn ways to use your credit card wisely.
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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.
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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.
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How refunds and returns work on a credit card
Learn how credit card returns work and how returns can affect things like your credit score, rewards and monthly statements.
Specifics of credit building
Credit cards are common. But less well known are the details of card co-signers, credit fraud and secure credit cards.
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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.
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Help prevent 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.
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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.
Newest articles
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What is a credit report
A credit report is a detailed summary of your credit history. Understand the factors that are used to determine your credit score and how to access your credit report.
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Common credit card myths debunked
Credit cards are a powerful financial product. However, there are many misconceptions about their use. We debunked the most common credit card myths for you.
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Best credit card for everyday purchases
Learn why you should use your credit card for everyday purchases and how to find the best credit card for shopping online.
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When should I pay my credit card bill?
The best time to pay your credit card bill is before the due date. Paying credit card bills on time can increase your credit score and lower interest charges.
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Can I pay a credit card bill with another credit card?
You can pay a credit card bill with another credit card by using either a balance transfer or cash advance, but there are pros and cons to each.
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Four key things to know before getting your first credit card
Understand what you should know before applying for your first credit card and make the best decision for your financial needs.