Credit cards can be an essential financial tool, whether you use it to pay for everyday expenses or help finance bigger one-time purchases. If you've decided to get a new credit card, follow these steps on how to open one today. ...
Once you’ve found the right card for you, you’ll want to make sure you understand what you’re agreeing to. Here are a few things to look out for: Interest rates:Interest is the cost of borrowing money. For credit cards, it’s usually shown as an annual percentage rate (APR). C...
Using acredit cardresponsibly helps you build credit and can be beneficial to your financial health in the long term. Having good credit strengthens credit card and loan applications, and will improve the rates you’re offered on mortgages, car loans, and other types of borrowing. Getting a ne...
Here’s a step-by-step guide on how to get a credit card in the UK: 1. Find the right credit card Not all cards are the same. So, you’ll need to apply for the credit card that’s right for your spending needs. If you’re looking for a card you can use abroad, you should...
1. Have a good credit score It’s impossible to talk about getting a credit card without mentioning your credit score, so this is first on the list. Though there are exceptions, qualifying for anunsecured credit cardrequires a credit score of 700 or more — don’t worry if your score is...
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Using a credit card responsibly can help you build good credit and earn rewards. But when it comes to getting a credit card, how do you know which one to choose? And what should you do before you apply? What you’ll learn: Monitoring your credit reports and scores can give you an ide...
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Knowing where your credit score stands can also help you avoid applying for cards you’re not likely to qualify for. Most credit card applications trigger a hard credit inquiry, which typically drops your score by a few points, so it’s a good idea to be selective with your applications. ...
student credit card, the student can start building his or her credit score and get used to managing credit while still in school. Student credit cards usually come with a low line of credit and no annual fee. Some will offer perks tied to student life, e.g. a cash bonus for good ...