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One can save much by just moving your debt from high-interest credit card to a lower-rate card. Using a balance transfer credit card can be a smart decision when you are planning for a debt reduction plan, but a question arises in mind do balance transfers affect your credit score. We will say no, although …
With a cash advance, you can use your credit card to obtain a short-term loan either from an ATM or a bank. A cash advance must be returned back, unlike withdrawing cash from a regular bank account. You can also consider your credit card to buy some cash at a cost instead of goods at …
If you are interested in personalized service, local relationships and best rates for which credit unions are popular. Then you probably interested in how to find a credit union which suits you best. And since community banks sometimes also offer resembling benefits, so, you might also like to consider that also if unable to find …
Credit builder loan aims to help people to improve their credit score especially if they have a low credit history. Loan or credit card approval significantly influenced by a credit score, chances for approval are likely to be higher with good credit. Luckily, credit-builder loans are easily approved even with bad credit score. However, they …
A bad credit score usually if it falls below 630 on the basis of the two most prominent credit rating agencies rating namely FICO and VantageScore. Bad credit can be an obstacle between lines of credit approval you if you are not doing some planning. It may lead you to either rejection or approval, at …
Credit utilization ratio gives an idea to lenders about how much you owe in relation to your overall credit limit from lines of credit. This ratio is then expressed as a percentage to give a concise report to the issuer. How they calculate credit utilization ratio; Credit utilization ratio = (Sum of credit cards balances …
When you ask your credit card issuer to increase your credit limit, you can not only increase your purchasing power, but also reduce your credit utilization, which can help building up credit score. However, it significantly depends on time whether your request is approved or not. It is said frequently that when you don’t need …
For some people, a credit card may be just like a tool which helps to buy, but one can use it wisely to get much more of it. A credit card can help you build a good credit history when used responsibly. Good credit scores can enable you to enjoy loans at lower rates, cheap …
Getting a credit card approval is entirely different thing than apply for a card. In these days applying for a credit card is as easy as just providing your information to Gmail for account opening and clicking “submit.” However, getting a credit card approval requires some proactive planning. Here we will discuss some basic working …
Secured credit cards can help you to deal with bad credit. This article helps you understand what secured credit cards are and how they work & differ from regular cards. Regular cards are also known as unsecured credit cards. What is a Secured Credit Card A secured credit card is supported with a cash deposit. …
If you have a debt with a high interest in form of credit card, you may consider to transfer credit card balance. Because it can save you money in financial terms and may help you to pay off your debt more quickly. But what does it take to move a balance from one card to …
Facing a tight pocket? And worrying about how you’re going to pay your credit card this month? Or waiting for a tax reimbursement, commissions, or insurance settlement to pay the bills? Have an idea to pay-off your credit card bill with another credit card? So, that in return you can earn some reward points or …
Sometimes there may be a need to transfer funds to friends or family but you don’t want to use wire transfers or to avoid transfer fees. Then you must consider Chase QuickPay as a great solution to your problem. Make your free funds transfer to bank accounts and enjoy an easy life at the comfort …
Withdrawing money from 401(k) is taxable in different scenarios. Hopefully, you are saving money in your 401(k) account no matter you are approaching retirement age or not. People normally take 401(k) as a primary source of income for retirement life regardless of Social Security deposits. But you must have a proper understanding of 401(k) accounts …
Selling properties can be a difficult task when it comes to Capital Gain Tax payments on the revenue. However, there are multiple ways to avoid Capital Gain Tax by using various loopholes in the system legally. Smart people always find a way or techniques to cover up in a way which incentivizes unintentionally. What is …
Holiday shopping season comes up with some extra load of purchasing on your pocket. According to a recent survey of Deloitte an Average American spends around $1,536 during holiday-season. Around 51% of shoppers just buy gifts during normal holiday purchasing. 2018 forecast by Deloitte survey predicts a mix of Online and in-store shopping with a …