Credit Cards Application and How to Choose the Right One

How to Apply for Credit Cards If you want to apply for credit card, it is not a thing you can rush into. Otherwise, you may make some mistakes that can hurt your credit score at the end. So, it makes sense for one to educate himself on dos and don’ts involved in credit cards application before starting the process. This article is going to be a long one. It is not just to discuss about the credit cards application process. Though it may not cover everything you need to know about credit cards, you will get some useful information before Continue ReadingCredit Cards Application and How to Choose the Right One

What to know about reward credit cards

Essential features of reward credit cards. Almost everybody wants to hold at least a reward credit card. The reason for this is simple. Rewards is the main motivation for the desire for reward cards, Reward can come in form of cash back, general reward points, gas rebates, airline miles points and retail reward points. Of all the reward credit cards, cash back and general reward points credit cards are the most popular. Just as the name implies, when you use cash back reward credit cards to make purchase, a certain per cent of every dollar you spend is refunded to Continue ReadingWhat to know about reward credit cards

How Long Do Hard Inquiries Stay On Your Credit Report

How Long Do Hard Inquiries Stay On Your Credit Report? If you are asking the question of how long do hard inquiries stay on your credit report or how many points do credit inquiries lower your score, you are not alone. Apart from these, when it comes to hard inquiries, there are other issues that bother the mind of credit cards holders. These issues usually come in form of questions such as; does your credit score go up when a hard inquiry drops off? How long do hard inquiries affect credit score? How long does it take for credit inquiries Continue ReadingHow Long Do Hard Inquiries Stay On Your Credit Report

Bad Credit and How to avoid or Fix it

What is Bad Credit? Bad credit does not speak good of anyone. Your credit score determines your credit status. If you have a bad credit report, this will translate into a bad credit score. On the other hand, if your credit report shows that you have a good credit, this will impact positively on your credit score. The question is that, how can use your credit score to determine whether you are having a bad credit or not? This is very simple but let me explain certain things to you here first. Each time you use your credit card, the report Continue ReadingBad Credit and How to avoid or Fix it

What to Know about Small Business Credit Cards

Useful hints on small business credit cards. There are many business credit cards available for small business owners to choose from. These business credit cards usually come with different features. You can hardly see two business cards that offer the same features. Even if the features seem to be the same, the associated costs, bonus and rewards may be quite different. Therefore, before you settle for a particular business credit card, you need to understand that you are not only looking for a card that can help you make financial transactions; you need to choose the one that will actually Continue ReadingWhat to Know about Small Business Credit Cards