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.
How to find your APR and calculate your interest charge
A higher purchase APR (annual percentage rate) means you will owe more in interest if you carry a balance, while a lower purchase APR means you will owe less.
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.
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.
Tips for improving your credit score
Knowing how to improve your credit score will put you on the road to reaching some of life's big milestones. Check our easy to follow guide on improving your credit score today.
How long does it take to build credit history?
Having a strong credit score gives you more options in the financial marketplace & better terms for borrowing money. How long does it take to build a credit history?
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.
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.