Frequently Asked Questions About Credit

Charge Card vs. Credit Card: The Differences

Charge Card vs. Credit Card: The Differences

Learn about the differences between credit cards and charge cards -- both...

Is a Credit Card Annual Fee Worth Paying It?

Learn why some consumers shun the idea of paying an annual fee for a credit card while others maximize the useful benefits to make it worth that annual fee.

How Credit Card Issuers Respond the First Time You Miss a Payment

You've missed a credit card payment, now what? Find out how your bank or credit card issuer is going to a reacted to a missed credit card payment.

Jeanine Skowronski

What Is a Credit Card Grace Period?

Kathryn Tretina

What Is a Credit Card Grace Period?

Your credit card grace period — which must be at least 21...

Credit Card Price Protection: How Does It Work?

Thomas (TJ) Porter

Credit Card Price Protection: How Does It Work?

Learn how credit card price protection works so that you can use...

Should You Get a Secured Business Credit Card?

Find out whether it makes sense to apply for a secured business credit card to help build credibility for future business loans and credit lines.

Valencia Patrice Higuera

What is a Credit Card Penalty APR?

Learn all about credit card penalty APRs, which may apply to accounts that have a missed payment for an extended period of time.

Thomas (TJ) Porter

Can Anyone Get a Business Credit Card?

Can Anyone Get a Business Credit Card?

If you own a business or you're thinking of starting one, applying...

MasterCard vs. Visa: Which Has Better Concierge Service?

MasterCard vs. Visa: Which Has Better Concierge Service?

Personal concierge services help you with shopping, travel and entertainment. See how...

What Are Credit Card Points and Miles Worth?

Credit card rewards programs can come in many forms -- you can get points or miles from spending. See how much they‘re worth (including frequent flyer programs).

Thomas (TJ) Porter

Should You Finance the Purchase of a New Laptop?

Find out whether it is a good idea to finance the purchase of a new laptop, if you have other financing options available, and other ways to get a laptop.

Thomas (TJ) Porter

Credit Card Travel Alerts: How to Set Them (and Why You Might Not Need To)

Thomas (TJ) Porter

Credit Card Travel Alerts: How to Set Them (and Why You Might Not Need To)

Learn how to set credit card travel alerts to avoid denied purchases...

How to Calculate Net Annual Income for Credit Card Applications

Thomas (TJ) Porter

How to Calculate Net Annual Income for Credit Card Applications

Learn how to calculate the net annual income that you have to...

Credit Card Piggybacking: How It Works to Help Build Credit

Find out how credit card piggybacking can help someone build good credit when they can't qualify for their own credit card.

Kevin Mercadante

Can You Get a Business Credit Card with Only an EIN?

Find out whether or not you can apply and qualify for a business credit card with just an EIN (Employer Identification Number) instead of a SSN.

Thomas (TJ) Porter

Small Business Loan vs. Business Credit Card: Compare the Pros & Cons

Small Business Loan vs. Business Credit Card: Compare the Pros & Cons

Compare the pros and cons of choosing a small business loan vs....

Which Credit Cards Provide Card Numbers Instantly After Approval?

Thomas (TJ) Porter

Which Credit Cards Provide Card Numbers Instantly After Approval?

Find out which credit cards provide card numbers instantly after approval for...

Credit Card Fraud Claim Denied: How You Can Still Get Your Money Back

Find out what you should do when you file a claim about a fraudulent charge or transaction and your credit card issuer denies the claim.

What Happens If You Don’t Use Your Credit Card?

Not using your credit card may seem harmless, but can have surprising effects on your credit score. How to decide if you should use or close your dormant card.

What Happens if You Maxed Out Your Credit Card

What Happens if You Maxed Out Your Credit Card

We all know maxing a credit card isn't good but do you...

The Best Time to Ask for a Credit Limit Increase

The Best Time to Ask for a Credit Limit Increase

Consumers wonder when is the best time to ask for a credit...

How Do Credit Card Payments Work?

Learn how your payments are applied toward your credit card balances so that you minimize the amount of interest paid.

How Can You Get Cash From a Credit Card?

Find out everything you need to know about credit cash advances and how when a cash advance makes sense.

How To Transfer Money From A Credit Card To A Bank Account

How To Transfer Money From A Credit Card To A Bank Account

When you don't have enough money in your bank account, a credit...

Why Your Credit Card Application Was Rejected

Why Your Credit Card Application Was Rejected

Learn more about why your credit card application was rejected and what...

Credit Card Closed? 6 Things You Need to Do Now

Learn what to do after finding out that your credit card account is being closed involuntarily--so you can protect yourself financially.

Thomas (TJ) Porter

Should You Close Your First and Oldest Credit Card?

Find out whether you should close your first credit card because you're often told that you should keep your oldest credit card for as long as possible to maintain a good credit score. Learn about the basics of calculating your...

Valencia Patrice Higuera

Credit Counseling vs. Debt Settlement: What is Better for You?

Thomas (TJ) Porter

Credit Counseling vs. Debt Settlement: What is Better for You?

Compare credit counseling and debt settlement services to see which option is...

How to Remove Yourself as a Co-Signer From a Loan

How to Remove Yourself as a Co-Signer From a Loan

Learn how you can remove yourself as a cosigner on a loan...

How to Opt Out of Pre-Approved Credit Card Offers

Learn how you can minimize junk mail by opting out of those pesky pre-approved credit card offers that fill up your mailbox.