credit-and-loans

If you’re falling behind on your bills or someone mistakenly assumes you are, you might hear from a debt collector. The Federal Trade Commission (FTC) ensures that the Fair Debt Collection Practices Act is followed, which means debt collectors must avoid using abusive, unfair, or deceitful tactics. The law defines a debt collector as anyone …

Dealing with credit card debt is a common issue that can cause a lot of financial stress. With high-interest rates and low minimum payments, it might feel overwhelming, but with careful planning and determination, you can make a big dent in your debt within a year. Even as the year comes to an end, a …

Picking the right credit card can be confusing due to different earning rates and redemption rules, but choosing a top reward card can offer significant benefits and cash back. Here’s a look at 10 of the best options: **Chase Sapphire Preferred Card** This card is a great choice for those who spend frequently on travel …

Managing multiple debts can feel overwhelming and almost impossible to tackle. You might wonder which debts to focus on first or what strategy is best. This is where debt consolidation can be useful. Debt consolidation involves combining all your debts into one manageable balance through a personal loan. There are various ways to consolidate your …

Improving your credit score is a smart financial decision, especially if you’re planning to buy a house, finance a car, or get a loan with better rates. Credit cards are often used to build credit, but they’re not suitable for everyone due to personal preferences or eligibility issues. This is where credit-building loans come into …

Credit card debt can really throw a wrench in your financial life, often causing bigger money problems down the road. High interest rates and only making minimum payments can make it seem like you’re not getting anywhere with your debt. But if you use the right tactics and make a good plan, you can potentially …

Choosing the perfect rewards credit card can be a bit overwhelming with so many options out there. These cards differ in how they give rewards, the kinds of rewards they offer, and the rules for earning and using them. Picking the wrong one could mean missing out on great benefits or savings. Here are our …

Dealing with credit card debt is a major challenge, mainly because high-interest rates and minimal payments make it hard to gain financial freedom. But with some strategic planning, you can significantly cut down or even eliminate your debt within a year. Even though we’re in the last quarter of the year, a well-planned strategy can …

Picking the right rewards credit card can be overwhelming because there are so many choices out there. Each card offers different reward rates, types of rewards, and rules for earning and redeeming them. Choosing the wrong one might mean losing out on some great benefits or cash returns. Here’s a rundown of the top 10 …

Back-to-school shopping can really add up quickly. You might think you’re only buying a few small things like pens and notebooks, but before you know it, the total cost can surprise you. Clothing can be particularly expensive, even if there are sales. For parents spending hundreds of dollars this season, using a credit card might …