General - Page 3


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General FAQs:

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You may use the Credit Card Navigator at home page to find the card that is right for you. Plug in your credit score and what you want to use the card for including everyday purchases, transferring a balance, earning rewards, or building credit history and the tool will suggest credit card options. Continue reading

Depending on the issuer, you should receive your new credit card in one to three weeks from the date you apply. When your application is approved, you should be given a timeframe of when to expect your new card. If you haven’t received it by the time suggested, contact the credit card issuer to follow up. Continue reading

Read the offer details of the card you’re applying for to find out what the annual percentage rate (APR) will be. If the card has a promotional APR, the terms and conditions will include the interest rate that will kick in after the introductory rate ends. In some cases, your APR will depend on your credit history and the issuer will list a range of possible APRs. Continue reading

Yes, you can add an authorized user to your account. Call your card issuer and be prepared to furnish them with the full name, address, and Social Security number of the person you’d like to add. You may also be able to place certain limits on an authorized user’s account. Ask your issuer what options they offer. Continue reading

A prepaid card looks like a credit card, but it actually has more in common with a gift card. It is initially loaded with money that you can charge against, so instead of charging first and paying later, you deposit money initially and spend it later. You can load a prepaid card with any amount you’d like, and refill it when the balance runs out. Continue reading

Your credit score is designed to help potential creditors, employers, landlords and others assess how likely you are to meet your financial obligations. It’s based on your credit history, which is the information contained in reports from major credit bureaus. Your credit score will be between 300 and 850 – the higher, the better. You can get your credit score for free. Continue reading

Rewards credit card holders are always searching for ways to maximize the cash, miles, or points they earn from charging things to their credit cards. With a good rewards credit card, the more you spend, the more you earn – so why not pay your mortgage with your credit card? has the scoop. Continue reading

With the credit card issuers coming up with newer plans and strategies every passing day, there is no dearth of good deals in the market today. But not all deals are suitable for all customers. Continue reading

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June 18, 2015

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