You might be hurting your credit score if you are overpaying your credit card. Yeah, I know it sounds crazy too. Lowering your credit utilization to 0% or less can have a negative impact on your credit score, because you’re not using credit.. That’s why we’ll go over what happens when you overpay your credit …
You already know you’re living in a very modern age. All your purchases are several clicks away, but are your purchases safe? The ultimate tool the consumer has is the chargeback. That’s why I’m going to tell you way too much information about how chargebacks work. A chargeback is a return of money to the …
Getting a refund for your purchase may not always be an option. In the event that you purchased something, attempted to return it and was denied, you can still use a chargeback. In this post we’ll go over chargeback examples to explain how they work. A chargeback is when you file a dispute with your …
Finance Charge. That’s what I saw on my credit card bill every month until I learned how to get out of debt. Sure, it’s easy to tell someone to stop spending money, but when I was a young adult in my 20’s, I didn’t listen. You could tell someone to stop drinking or stop smoking, …
If you have good or bad credit, it’s still important to understand, what are tradelines? To maintain a healthy credit score, it helps to understand how tradelines are one of the biggest factors to achieving an excellent credit score. A tradeline is a credit card account that has its own value based on the age …
If you’re asking, “what should you know about a credit card,” you might be credit card illiterate. That’s okay, many people are. That’s why we’re going to go over the things you need to know about credit cards so you don’t make these common credit card mistakes. These are the common credit card mistakes to …
When it comes to credit cards, I was always taught that they were bad. I never actually questioned it, is having too many credit cards bad? It’s actually not the answer I was expecting. Having lots of credit cards is not bad, it’s actually really good for your credit score. When you have more credit …
My first credit card had a $200 limit! I would max out the card pretty easily, but at the time I didn’t know that was HURTING my credit score. So in this post, we’ll answer the question: How do I increase my credit limit? Increasing your credit limit can be done just by asking your …
