Frequently Asked Questions About Credit

Capital One Virtual Credit Card Numbers Allow for Safer Online Shopping Photo of Thomas (TJ) Porter Thomas (TJ) Porter Capital One Virtual Credit Card Numbers Allow for Safer Online Shopping Shopping online is a great way to buy things without having to leave your... What Are Airline Award Flights for Travel? Travel for free by learning everything about award flights, including the different ways that you can earn reward points and frequent flyer miles. Credit Card Price Protection: How Does It Work? Learn how credit card price protection works so that you can use this handy benefit to get money back on past purchases. Should You Finance the Purchase of a New Laptop? Photo of Thomas (TJ) Porter Thomas (TJ) Porter Should You Finance the Purchase of a New Laptop? Whether you’re surfing the internet, playing a game, doing homework, or at the... Are There Reasons to Lower Your Credit Card Limits? Photo of Thomas (TJ) Porter Thomas (TJ) Porter Are There Reasons to Lower Your Credit Card Limits? When it comes to credit scores, you may already know that it is a good idea to... What Happens When You Become an Authorized User on a Credit Card Account? Find out what happens when you become an authorized user on someone else's credit card account, especially the potential benefits to your credit score. 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. How to Opt Out of Pre-Approved Credit Card Offers Photo of Simon Zhen Simon Zhen How to Opt Out of Pre-Approved Credit Card Offers The incessant pileup of pre-screened credit card offers in your mailbox is more... How to Remove Yourself as a Co-Signer From a Loan Photo of John Csiszar John Csiszar How to Remove Yourself as a Co-Signer From a Loan If you decide to co-sign for a loan, you are legally responsible to pay it back.... What to Do if a Restaurant Overcharged Your Credit Card? Learn what to do when a restaurant has overcharged your credit card, whether you accidentally tipped too much or there was an error by the waiter. Credit Counseling vs. Debt Settlement: What is Better for You? Compare credit counseling and debt settlement services to see which option is better for helping you get out of large amounts of debt, especially high-interest credit card balances. Learn about the benefits of each option and how much it costs. Find out what other options you might have available to you. Family Member Stole Your Identity to Open Credit Cards: What to Do Photo of Thomas (TJ) Porter Thomas (TJ) Porter Family Member Stole Your Identity to Open Credit Cards: What to Do Family members, especially parents, often have easy access to sensitive personal... Can You Inherit Your Parents' Debt? Photo of Ben Luthi Ben Luthi Can You Inherit Your Parents' Debt? Losing a loved one can be a devastating experience, but it can become scary if you... Primary vs. Secondary Auto-Rental Collision Coverage on Travel Credit Cards Learn about the differences between primary and secondary auto-rental collision coverage that are provided by your travel credit cards. Find out what is covered and when each one takes effect in the event that your rental car is involved in an accident. See which credit cards offer primary auto-rental coverage. Guide to the Chase 5/24 Credit Card Rule Learn about the 5/24 rule that Chase uses for approving and denying applications for a credit card based on your past history of card approvals. Why You No Longer Need to Sign for Credit Card Purchases Photo of Krista Baum Krista Baum Why You No Longer Need to Sign for Credit Card Purchases Using your credit or debit card just got a little easier. Visa, MasterCard,... Do You Still Earn Credit Card Rewards With Apple Pay & Google Pay? Photo of Thomas (TJ) Porter Thomas (TJ) Porter Do You Still Earn Credit Card Rewards With Apple Pay & Google Pay? One of the best features of credit cards is that they often offer rewards for... 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 own credit score so to understand exactly what will happen when you shut down a credit line. When Is Interest Charged on Credit Cards? Find out when interest charges are applied to your credit card account balances. Learn about grace periods and how you can avoid getting charged interest on your credit cards. Understand how to calculated how much interest is charged based on your APR, balance, and transaction type. What Happens If You Overpay Your Credit Card? Photo of Thomas (TJ) Porter Thomas (TJ) Porter What Happens If You Overpay Your Credit Card? Credit cards are a great financial tool when used properly. They let you make... Which Credit Cards Offer an Extended Warranty on Your Smartphone? Photo of Thomas (TJ) Porter Thomas (TJ) Porter Which Credit Cards Offer an Extended Warranty on Your Smartphone? Smartphones are expensive -- costing hundreds or even thousands of dollars. It’s... When Do Credit Cards Go to Collection Agencies? Find out when your lender will send your credit card account to debt collection agencies after you've defaulted on your payments. Learn the time period of when the late and missed payments are recorded on your credit reports. Be informed with what you should deal with debt collectors. 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. Which Credit Cards Are Most Accepted Worldwide? Photo of Thomas (TJ) Porter Thomas (TJ) Porter Which Credit Cards Are Most Accepted Worldwide? Visa and Mastercard are the most widely accepted credit card networks globally,... After Death, What Happens to the Credit Cards Debt? Photo of Thomas (TJ) Porter Thomas (TJ) Porter After Death, What Happens to the Credit Cards Debt? No one likes to consider their own mortality, but unfortunately one day everyone... What Cards/Payment Types Are Accepted Through Square? Learn about how Square works when it comes to businesses that accept credit cards, debit cards, and other forms of payments. Which Credit Card Fees Are Tax Deductible? Credit card owners are no stranger to fees - processing and annual fees to name a few. Learn which fees are tax deductible. What Restaurants Do If a Credit Card is Declined at the End of a Meal Photo of Paul Sisolak Paul Sisolak What Restaurants Do If a Credit Card is Declined at the End of a Meal If a credit card is declined at a restaurant, the establishment will likely attempt... Why Your Credit Card Application Was Rejected Photo of Paul Sisolak Paul Sisolak Why Your Credit Card Application Was Rejected It’s never fun to find out that a loan application was rejected. When you’re... When Are Credit Card Annual Fees Charged? Find out when credit card companies charge an annual fee on your credit card. This way, you know the strategies to minimize or avoid them.