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The promise of getting some of the money you have already spent back is enticing. This is why many people rush to apply for cashback credit cards. However, you should know how to pick the best ones to enjoy the most benefits. Here is what you should consider when making the decision: How much money […]

Cashback credit cards are tempting- there is that lure of getting back some of the money you have already spent. As much as these cards can be rewarding, they can also be confusing. If used irresponsibly they can even be costly.  Knowing how to choose a cashback credit card wisely will save you from such

Not paying your debts on time is the major reason many people end up with bad credit. If you are in this situation, make arrangements with all of your current creditors to pay off your current debt. Moving forward, all your payments should be made on time too. However, this alone will not build a

a) Closing all old accounts improves your credit score. This does more damage than good. It shortens your credit history hence leaving you with a smaller amount available. b) Opening more credit card accounts improves your credit score. You will come off as an irresponsible person financially. Lenders know that someone who has great financial

Most credit card companies will allow to to apply for an increase every 6 months. This will not put a hard inquiry on your report, it will be an internal soft inquiry. Getting a line increase will boost your overall credit limit which can boost your score depending on you debt to credit ratio (how