Excellent/Good Credit Questions

You don’t need excellent credit, but on the other hand don’t apply for it if you have bad credit either. Anytime you have a hard inquiry on your credit report your credit score takes a hit. If you have bad credit there are cards that you can receive. Just be sure that you are applying for a card for… Continue reading

If you want to transfer your balance to a new credit card, note that many credit cards offer 0% APR on purchases for cardholders. Continue reading

The Southwest credit cards are issued by Chase. Therefore, we assume that you fall under the Chase’s 5/24 rule. This rule means that in order to get approved for any Chase credit card, you cannot have opened five or more personal credit cards across all banks in the last 24 months. You can read… Continue reading

You can consider applying for the Citi Simplicity^® Card - No Late Fees Ever. The card offers 12 months of 0% interest on purchases and 21 months of 0% intro APR on balance transfers (when… Continue reading

Yes. Ikea Visa Credit Card rewards expire after 36 months after the date that they are posted to your account. Moreover, you can’t redeem earned rewards at any amount. The minimum redemption rate is $15. After you earn $15 in rewards, you will get $15 Reward Certificate that can only be used at… Continue reading

Unfortunately, no. Co-branded credit cards almost never offer 0% APR on purchases for cardholders. If you need this feature you’d better consider getting a regular credit card, that may offer not only 0% intro APR on purchases but even decent rewards and no annual fee. Continue reading

You will be able to earn 6 cents per gallon using the Exxon Smart card if you purchase at least 45 gallons (maximum is 100 gallons) of Exxon or Mobil branded fuel in a billing cycle. To apply for this card you should visit the ExxonMobil website. Continue reading

Excellent credit is not necessary, but this card will not be given to those with bad credit either. Continue reading

Unfortunately you can’t. The Burkes Outlet credit card is only good at Burkes Outlet store locations and for online purchases from Burkes website. If you want to use your card at other stores, you should consider a general credit card since they’re accepted just about everywhere. If… Continue reading

Congratulations on having a sky-high credit score. You must have made all your payments on time, kept your revolving balances low, had your credit cards for a long time, and utilized a mix of types of credit, such as a business loan or mortgage in addition to a credit card. Continue reading