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‘Credit Cards’ is not the easiest subject and we understand that you may have lots of different questions related to it. That’s why our experienced experts are always here to help you. You can ask any question related to credit cards or scroll down to see if answered questions below can help you.

Recently Answered Questions:

I have my eye on some Overstock furniture for my new apartment. Should I apply for their credit card to get special financing and 10% off my purchase?

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Leo Zhu
It's tempting to go ahead and apply for a store credit card when you're about to drop a bundle of cash on their products. However, before you do so, take a close look at the terms and conditions of the card. Continue reading
Why do people keep telling me I need to have a credit history in order to get a credit card? I can’t establish creditworthiness until someone issues me a credit card; how am I supposed to get my first card, in that case?

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It can feel like a real Catch-22 when you are trying to get your first credit card. It’s true that some card issuers will turn down your application if you have no credit history. A credit card like the Edward Jones card, which offers travel perks for elite customers, probably isn’t going to be your ... Continue reading
How can I get the DSW Credit Card?

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DSW makes it easy to find their credit card, all you have to do is go to their website – dsw.com, which outlines the ins and outs of the card, in terms of earning rewards and cashing them in for $10 rewards certificates that can be used in the store. Continue reading
I can’t figure out whether I should get a store credit card, a cash back card, a prepaid card, or a secured credit card. It all seems so complicated. Can you help me understand the differences?

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Many people are confused by the many different credit offerings you are describing. The first thing to know is that one of those cards you mention – a prepaid card – is not actually a credit card at all. Continue reading
I already have a reward credit card that I use all the time and love. Is there a reason I should get a Vanilla Visa Reward card as well? What do people use these cards for?

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A rewards credit card is a wonderful thing to have. But that doesn't mean there aren't uses for other kinds of cards. Prepaid cards are a great option for folks who don't want to have a traditional bank account and are looking for another way to handle their money. Continue reading
I’m already a member of the CheapOair Rewards program and want to apply for their credit card. Do you think it is good idea? My credit is excellent and I have ones store card and freedom card form Chase.

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It may be worth applying for the CheapOair credit card if you always book your flights using that agency and use other services it offers. Also, you should have a good habit of paying off your credit card balances in full each month as CheapOair credit cards come with rather high interest rates, ... Continue reading
I was given a Vanilla Visa Reward card and I don’t know how to use it. Can you help?

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Absolutely. It’s not as complicated as you might fear. You can use your card just as you would a credit or debit card. Swipe, insert or tap the card on the payment reader, depending on whether it has a chip or a magnetic stripe. Continue reading
What should I look for in a credit card, if I want to get a new one to use for a major purchase?

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If you're looking to get a new credit card to use on a specific large purchase, the first thing you want to think about is how to maximize your rewards. Continue reading
I frequently shop at Palais Royal and I am interested in applying for their store card. The main problem I have right now is the current state of my credit score. I was wondering, do you happen to have any idea about what the minimum credit requirements are for the card?

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Unfortunately, I do not know any of the minimum requirements to be approved for the Palais Royal credit card; however, what I do know is that your credit score will not be the only thing you are judged on when being approved, but your credit score is definitely one of the most important factors that ... Continue reading

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Get 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the APR will be 12.24%-22.24% based upon your creditworthiness.
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1% cash back on select purchases, terms apply
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Save on Interest Charges with Low APR Credit Cards

June 18, 2015