When you’re borrowing money—whether it’s for a credit card, student loan, or mortgage—the APR (Annual Percentage Rate) determines the cost of borrowing money. While you may already know the factors that influence APR, not all APRs are created equal. Some stay constant (fixed APRs), while others can fluctuate with the Read more…
If you’re feeling the pinch of higher costs when carrying a credit card balance, you’re not alone. Credit card rates are at historic highs, making it more expensive than ever to not pay your credit card in full each month. The reasons behind these increases involve a mix of factors: Read more…
Figuring out how many credit cards to have can feel overwhelming, especially when you’re just starting your credit journey. Your ideal number depends on your financial goals, spending habits, and comfort managing multiple accounts. Maybe you’re after best cash-back rewards, or just want a single card to build credit. Whatever Read more…
Paying bills with a credit card can be a savvy financial move—if you play it right. More than half of renters today pay online using digital payment options, including credit cards [1]. When done wisely, paying with a credit card can lead to some major perks like free flights or Read more…
Getting your first credit card while you’re young isn’t just about spending power—it’s about building a strong financial foundation. Starting early gives you a head start on establishing good credit, which is key for future milestones like renting an apartment, buying a car, or even landing that dream job. Plus, Read more…
So you’ve got your hands on your first credit card—congrats! But before going on a shopping spree, let’s chat about how to use it wisely. Credit cards can be super useful, but they also come with some important responsibilities. If you’re new to the credit game, don’t worry—I’ve got your Read more…