Credit-Land.com is an independent, advertising-supported web site. Credit-Land.com receives compensation from most credit card issuers whose offers appear on our site. Compensation from our advertising partners impacts how and where their products appear on our site, including, for example, the order in which they may appear within review lists. Credit-Land.com has not reviewed all available credit card offers in the marketplace.
User questions & expert advice
Welcome to our credit card FAQs section at Credit-Land.com. Here our qualified experts will provide you with up to date information about any subject you ask. We are happy to see your interest and appreciate you have trust in us.
Before asking a question, kindly take a look at Recently Answered Questions section, Recently Published FAQs or browse FAQs in Categories.
read our expert advice
user questions Categories:
our user's questions
GOT PARTICULAR OFFER?answers to common questions about different card types
OUR EXPERTS WILL BE HAPPY TO ANSWER ALL YOUR QUESTIONS!
RECENTLY ANSWERED USER QUESTIONS
I plan to get a credit card to start building my credit. I have only Chime Visa card which is a debit card, no loans or other credit accounts so far. Can you recommend me a card to start building my credit?
A good credit card to start building a credit history with can be a secured credit card. Secured cards are generally aimed at people with no credit history and at people with bad credit who are rebuilding their credit. The secured cards' payment...Read more
I’ve been using my Aspire credit card for a year or so and now I’m closing it because my credit score hasn’t changed much even though I’ve never paid a penny late. Can you recommend me a credit card that will give a real improve to my credit?
You can apply for a credit card issued by a major bank and not by a credit union. Banks usually report credit card activity every month to all three major credit bureaus, so you will be able to see credit score changes as fast as in three months....Read more
I recently went through a divorce and now I'm a mother with two small children. I haven't worked for several years and was a stay-at-home mom. I was struggling to keep up the payments on my Chase credit card. For a while I made the minimum payments of $170 monthly, but then I found that I could no longer afford them and simply stopped paying anything at all. I avoided my responsibilities for some time and now, when I have a good job, I decided that I need to move on and start paying off my debt which reached $4,600 now and APR is crazy 29.99%. I do not want to declare bankruptcy, but I do not know where to start. Could you help me or give a piece of advice?
Chase has a Balance Liquidation Program which would be a good option for your Chase credit card debt. You will need to contact the bank directly and ask if they could accept you in this Chase's liquidation program and offer an affordable payment...Read more
Since you are already in the Oneworld Priority Ruby tier, then you must be using a credit card from one of the Oneworld airline partners or a member of a frequent flyer program which is a part of Oneworld. What you need to do is to check what...Read more
I need a card that would give me free lounge access and that would be a part of one world alliance. Can you recommend one or two?
You may like the Citi® / AAdvantage® Executive World Elite™ Mastercard® that offers complimentary Admirals Club membership for you and access for guests traveling with you. The card has a rather high annual fee, but if you enjoy the comfort of the lounges often, it will...Read more
RECENTLY PUBLISHED FAQs
There are so-called joint credit card accounts. This means you can have a joint account holder, also known as a co-signer. Joint account holders can both use the credit card equally and are both liable for making credit card payments. Credit card...Read more
There are 5 main factors that make up credit score: payment history, credit utilization, length of credit history, new credit, and credit mix. First of all, you should always monitor your payments so that to be able to cope with all them. Secondly,...Read more
We can recommend you consider Canadian credit card offers from our partners. Make sure you chose the card that corresponds to your credit score.Read more
I’m planning to buy furniture at Houzz and wanted to apply for their financing, but I don’t like the terms. Is there a credit card that will give me no interest and no annual fee?
You can apply for any credit card that offers 0% on purchases. For example, the Discover it® Cash Back credit card has a 14-month 0% intro APR on purchases (when the introductory interest rate is over,...Read more
If you want to have credit card with great rewards, you may choose the Discover it® Cash Back credit card. This card comes with 5% cash back on everyday purchases at different places each quarter like grocery stores, restaurants, gas stations, select rideshares and online shopping, up to the quarterly maximum when you activate, all other purchases will earn 1% cash back. What...Read more
must read FEATURED NEWS
AND RELATED RESEARCH
Verizon Media launched a new personal finance website - Cashay - which is aimed primarily at...
Nights are still drawing out, the wind is cold, and the air smells like snow already - the winter...