Credit Cards
Key takeaways Deferred interest offers allow consumers to make purchases and avoid interest charges during a promotional period, which usually lasts about six to 12 months. Consumers who pay off their entire balance during the promo period will avoid paying interest charges. If you are unable to pay off your…
Key takeaways If you run out of time to pay off your balance within a 0 percent APR window, a few different strategies can help you minimize interest charges and get out of debt faster. Potential options include developing a payoff plan and trying to negotiate your variable APR or…
Key takeaways A 0 percent intro APR card can help you consolidate and pay down debt faster — without interest payments — if you’re disciplined in how you use it. These cards typically come with a balance transfer fee, and you risk losing the 0 percent intro APR if you’re…
Key takeaways Credit card lenders add a margin to the prime rate to arrive at your card’s variable APR. The prime rate impacts the cost of credit on consumer loans, including credit card accounts, with the rates on consumer loans moving up or down with the prime rate. The prime…
I love the late sunsets and warmer weather this time of year. I live in New York, so it’s not quite summer yet, but the weather has definitely gotten nicer. And the town pool opens in about a week, so visions of lazy summer days are dancing in my head.…
Key takeaways United MileagePlus Dining allows you to earn United miles on everyday purchases at eligible restaurants in the program. Signing up for the program is free, but requires having a United MileagePlus account. The program does not require using a United credit card, but using one can help you…
Key takeaways Most student credit cards require you to be a college student. You’ll typically need to list the school you attend and whether you’re a part-time or full-time student. Many student credit cards consider your credit score, income, debt-to-income ratio and credit history length. You’ll also need to be…
Pet ownership can be expensive, with recurring expenses like food, supplies and veterinary care. A rewards credit card can help offset these costs, but finding the right card is tricky since bonus categories typically don’t include everyday pet expenses. Here are some of the better options available to help you…
Key takeaways Credit cards can be useful for long-term financial planning like building credit, funding a vacation and paying for unexpected expenses. With future goals in place, you can choose credit cards that offer benefits and rewards to help you achieve them. Responsible credit use — like making on-time payments,…
Key takeaways The Chase Sapphire Preferred® Card is worth it for frequent travelers and aspiring rewards earners with good credit. The Chase Sapphire Preferred isn’t worth it for spenders who may prefer going out and earning cash back. If you’re looking for a generous welcome bonus, partner deals and travel…
