Nobody’s perfect. Accidents happen, and you might miss a credit card payment at some point. When this happens, you can use this script — tested thousands of times — to get the fees instantly waived. Here’s what to say to immediately beat a late payment.
When paying off your credit cards, conventional wisdom says you should always start with your highest-rate card first, but that may not be the best strategy if you’re looking to boost your credit score or maintain a generous credit limit. Learn here which pay-down strategy will work best for you.
What if you could get an extended warranty for free? Good deal, right? Well, you can. It’s simple, and requires nothing more than a tool that’s most likely already in your wallet — your credit card. You can smugly tell the Best Buy salesguy about it when you decline his extended warranty.
Credit card utilization is one of the most important credit score-related topics, and also one that’s often misunderstood. This complicated equation, also called revolving utilization, is an incredibly important factor in your FICO credit scores. Grab your credit reports and a calculator as I walk you through it.
Under the CARD Act, individuals applying for a credit card must have an income or a co-signer to be approved for a credit card. Otherwise, no luck. That said, people in that position are still able to get or use credit cards, legally and ethically, with the strategies below.
How many of you know what the 16 digits of your credit card number really mean? Contrary to what you may think, they aren’t random. Knowing a few simple rules, you could actually learn a lot about a credit card just from its number. We show you how to crack that code in this infographic.