The Discover it® Secured Credit Card is a great option if you're looking for a secured credit card as it can not only help you build credit but also earn rewards. Standout benefits: You'll earn a competitive 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined...
PenFed uses a dirty trick in its advertisement of Visa credit card:"5X Points on gas paid at the pump". Anybody considers the ad as 5% cash back but actually it is 4.2% cash and this amount it is impossible to redeem. You need to buy gift cards for the price that more than nominal...
Otherwise, you may get stuck with interest. Avoid overspending. Cash back shouldn’t be an incentive to spend too much. Instead, it would be best if you looked at cash back as a bonus reward or bonus cash for the money you’d spend anyway. The last thing you should do is charge ...
While others have turned to comparing cd rates, The New York Times recently reported that our old friends at Wal-Mart have stuck their plows into the soft earth of consumer credit with their own line of pre-paid debit cards. Shop for groceries, $2.00 socks, and pick yourself up a pre-...
If you don’t pay your credit card’s monthly minimum payment on time, you could get stuck with a late fee. These credit card late fees can run as high as $41 depending on how often you’re late with your payments. You may also incur a penalty APR. Cash advance APR and fees. Cas...
Gas stations do something similar: they’ll pre-auth your card for, say, $100 to make sure you have enough to fill up, but you’ll only get charged for what you actually pump. What’s in it for merchants? So, why bother with all this pre-auth stuff when you could just swipe and...
Paying off credit card debt quickly isn't always possible when your necessities eat up most of your take-home pay. Learn what strategies work.
have a Paypal account, and when you pay for something via Paypal, or something is otherwise charged to your Paypal account (such as through an automatic transaction, or using your Paypal debit card, for example), and you don’t actually have enough in yo...