Do Store-Branded Credit Cards Make Sense? How to Make the Most of This Weird Card TypeStore-branded credit cards offer enticing discounts but often come with unfavorable terms and drawbacks compared to general credit cards.
Seriously, get and use a credit card. There are 5 big reasons they're betterCredit cards are integral to American financial life; 82% of adults use them for managing expenses and larger purchases.
'Why Do People Use Debit Cards Instead of Credit Cards'Responsible credit card use offers benefits like rewards and safety over debit cards.Financial discipline is crucial; credit cards risk debt without proper management.Cash or debit usage can limit financial flexibility, especially for those in need.
There Is Nothing Wrong With Credit Cards - You're Just Using Them WrongUse credit cards responsibly to avoid financial pitfalls.Paying off your balance monthly is crucial to maintaining good credit.Correct myths about credit cards to make informed decisions.
Why Are People Still Using Debit Cards Without Rewards, and Worse Security When Cash Back Cards Are An Option?Credit cards provide greater protection and benefits than debit cards, making them preferable for financial transactions.
Help Me Understand Why People Are Switching From Debit and Travel Cards To Cash Back All Of A SuddenCash-back credit cards are favored for their simplicity and reward potential, despite concerns about their impact on small businesses.
Do Store-Branded Credit Cards Make Sense? How to Make the Most of This Weird Card TypeStore-branded credit cards offer enticing discounts but often come with unfavorable terms and drawbacks compared to general credit cards.
Seriously, get and use a credit card. There are 5 big reasons they're betterCredit cards are integral to American financial life; 82% of adults use them for managing expenses and larger purchases.
'Why Do People Use Debit Cards Instead of Credit Cards'Responsible credit card use offers benefits like rewards and safety over debit cards.Financial discipline is crucial; credit cards risk debt without proper management.Cash or debit usage can limit financial flexibility, especially for those in need.
There Is Nothing Wrong With Credit Cards - You're Just Using Them WrongUse credit cards responsibly to avoid financial pitfalls.Paying off your balance monthly is crucial to maintaining good credit.Correct myths about credit cards to make informed decisions.
Why Are People Still Using Debit Cards Without Rewards, and Worse Security When Cash Back Cards Are An Option?Credit cards provide greater protection and benefits than debit cards, making them preferable for financial transactions.
Help Me Understand Why People Are Switching From Debit and Travel Cards To Cash Back All Of A SuddenCash-back credit cards are favored for their simplicity and reward potential, despite concerns about their impact on small businesses.
Americans Now Have $1.21 Trillion of Credit Card Debt, the Highest on Record - 7 Ways to Make Sure You Don't Take on Too MuchAmerican credit card debt exceeded $1.21 trillion by the end of 2024, prompting a need for new debt management strategies.
If you're drowning in credit card debt, balance transfers can help you take back controlA balance transfer can pause interest on credit card debt, allowing better financial control but requires a plan to pay off debt before the promotional period ends.
Always paying the minimum on my credit cards led to reduced limits and a score drop - how can I fix this?Only making minimum payments on credit cards can lead to reduced credit limits and significant drops in credit scores.
Debt Snowball vs Avalanche Method: Which Debt Payoff Method Actually Leads to Better Outcomes?Choosing the right debt repayment strategy can alleviate emotional stress and save money.The snowball method focuses on small debts for motivation, while the avalanche method prioritizes higher interest debts for financial savings.
I'm 35 with a 790 credit score - here's exactly what I do to keep it so highCredit card debt poses substantial risks but can be beneficial with disciplined use.Paying off credit card balances monthly is critical for avoiding unnecessary fees.
Americans Now Have $1.21 Trillion of Credit Card Debt, the Highest on Record - 7 Ways to Make Sure You Don't Take on Too MuchAmerican credit card debt exceeded $1.21 trillion by the end of 2024, prompting a need for new debt management strategies.
If you're drowning in credit card debt, balance transfers can help you take back controlA balance transfer can pause interest on credit card debt, allowing better financial control but requires a plan to pay off debt before the promotional period ends.
Always paying the minimum on my credit cards led to reduced limits and a score drop - how can I fix this?Only making minimum payments on credit cards can lead to reduced credit limits and significant drops in credit scores.
Debt Snowball vs Avalanche Method: Which Debt Payoff Method Actually Leads to Better Outcomes?Choosing the right debt repayment strategy can alleviate emotional stress and save money.The snowball method focuses on small debts for motivation, while the avalanche method prioritizes higher interest debts for financial savings.
I'm 35 with a 790 credit score - here's exactly what I do to keep it so highCredit card debt poses substantial risks but can be beneficial with disciplined use.Paying off credit card balances monthly is critical for avoiding unnecessary fees.
I have a 720+ credit score but make all my purchases with a debit card and realize I'm missing outUsing credit cards for purchases can maximize rewards earned when done responsibly.
Which No-Fee credit card has the most cash back reward % for ALL purchases across the board, regardless categories?Credit card companies offer cashback and rewards to entice customers due to significant revenue from fees.
What Is The Best Way To Make Real Use of A 5% Cash Back Card?The 5% rotating category cash-back cards provide significant rewards but require careful tracking of categories to maximize benefits.
Why do people use credit cards that earn miles instead of credit cards that earn straight 2% cash back?Choosing the right credit card depends heavily on personal spending habits and lifestyle; there's no one-size-fits-all solution.
Why Cash Back Credit Cards Are a Budget-Conscious Shopper's Best FriendCash back credit cards simplify budgeting and maximize savings without the complexities of points systems.
I Discovered the Best Cashback Cards for My $36K Annual Airfare Spend-Here's What I FoundChoosing the right cashback travel card can yield significant rewards if well-researched.The Wells Fargo Autograph card stands out for its 3% cashback on various travel-related purchases.
I have a 720+ credit score but make all my purchases with a debit card and realize I'm missing outUsing credit cards for purchases can maximize rewards earned when done responsibly.
Which No-Fee credit card has the most cash back reward % for ALL purchases across the board, regardless categories?Credit card companies offer cashback and rewards to entice customers due to significant revenue from fees.
What Is The Best Way To Make Real Use of A 5% Cash Back Card?The 5% rotating category cash-back cards provide significant rewards but require careful tracking of categories to maximize benefits.
Why do people use credit cards that earn miles instead of credit cards that earn straight 2% cash back?Choosing the right credit card depends heavily on personal spending habits and lifestyle; there's no one-size-fits-all solution.
Why Cash Back Credit Cards Are a Budget-Conscious Shopper's Best FriendCash back credit cards simplify budgeting and maximize savings without the complexities of points systems.
I Discovered the Best Cashback Cards for My $36K Annual Airfare Spend-Here's What I FoundChoosing the right cashback travel card can yield significant rewards if well-researched.The Wells Fargo Autograph card stands out for its 3% cashback on various travel-related purchases.
Are Cashback Cards Really Worth It, Or Are They Just Gimmicks And An Excuse to Spend More?Cash-back rewards on credit cards are popular but may encourage overspending, raising questions of their true value.
Is It Really True That Americans Take 6 Years on Average to Pay Off a Single Credit Card Purchase?Paying off credit cards monthly is essential to avoid long-term debt.Average credit card debt repayment can take over six years according to industry insights.
5 reasons to stop using your debit card and switch to a credit card insteadCredit cards offer superior benefits like cash back, dispute protection, and credit building compared to debit cards.
Cash Back Rewards 101: How to Earn Big Without OverspendingMaximizing cash-back rewards requires choosing the right credit cards and understanding their specific benefits.Using a combination of cards can increase your cash-back earnings significantly.
I just picked up a credit card with my perfect 800 score and looking for the best credit card hacks - where do I start?Many financial strategies are popular, but they can lead individuals to overspend and mismanage credit.
Even If You're Not A Big Spender, Cash Back Cards Make Too Much Sense To Use Anything ElseCash-back credit cards offer rewards but must be used responsibly to avoid financial pitfalls.
Are Cashback Cards Really Worth It, Or Are They Just Gimmicks And An Excuse to Spend More?Cash-back rewards on credit cards are popular but may encourage overspending, raising questions of their true value.
Is It Really True That Americans Take 6 Years on Average to Pay Off a Single Credit Card Purchase?Paying off credit cards monthly is essential to avoid long-term debt.Average credit card debt repayment can take over six years according to industry insights.
5 reasons to stop using your debit card and switch to a credit card insteadCredit cards offer superior benefits like cash back, dispute protection, and credit building compared to debit cards.
Cash Back Rewards 101: How to Earn Big Without OverspendingMaximizing cash-back rewards requires choosing the right credit cards and understanding their specific benefits.Using a combination of cards can increase your cash-back earnings significantly.
I just picked up a credit card with my perfect 800 score and looking for the best credit card hacks - where do I start?Many financial strategies are popular, but they can lead individuals to overspend and mismanage credit.
Even If You're Not A Big Spender, Cash Back Cards Make Too Much Sense To Use Anything ElseCash-back credit cards offer rewards but must be used responsibly to avoid financial pitfalls.
Zero-Interest Credit Cards: The Ultimate Financial Hack or Financial Grenade?Zero-interest credit cards may provide short-term relief but could lead to high long-term costs if not managed properly.
I'm 30 with no kids and no credit card - am I missing out?Using credit responsibly can help build credit and earn rewards.Avoiding credit cards out of fear may lead to missed financial benefits.
I know credit cards help with travel but don't know the best way to use them. What's the best way to start?Optimizing credit card usage can yield substantial savings and rewards, particularly through strategic travel points accumulation.
4 Reasons Cash Back Cards Are the Best Options for EveryoneCash back credit cards simplify rewards by providing immediate value without complex calculations or redemption processes.
With an 800 credit score, can switching to a different credit card boost it even higher?A strong credit score, typically above 800, can yield significant financial benefits, including lower mortgage rates.The balance between having multiple credit cards and maintaining a high credit score is a common concern for many.
People Who Strictly Use Cash Back Cards, What Is The Best Set Up?Maximizing cashback rewards typically requires using multiple credit cards instead of relying on a single one.
Zero-Interest Credit Cards: The Ultimate Financial Hack or Financial Grenade?Zero-interest credit cards may provide short-term relief but could lead to high long-term costs if not managed properly.
I'm 30 with no kids and no credit card - am I missing out?Using credit responsibly can help build credit and earn rewards.Avoiding credit cards out of fear may lead to missed financial benefits.
I know credit cards help with travel but don't know the best way to use them. What's the best way to start?Optimizing credit card usage can yield substantial savings and rewards, particularly through strategic travel points accumulation.
4 Reasons Cash Back Cards Are the Best Options for EveryoneCash back credit cards simplify rewards by providing immediate value without complex calculations or redemption processes.
With an 800 credit score, can switching to a different credit card boost it even higher?A strong credit score, typically above 800, can yield significant financial benefits, including lower mortgage rates.The balance between having multiple credit cards and maintaining a high credit score is a common concern for many.
People Who Strictly Use Cash Back Cards, What Is The Best Set Up?Maximizing cashback rewards typically requires using multiple credit cards instead of relying on a single one.
Costco Only Accepts One Kind Of Credit Card At Checkout - Tasting TableCostco no longer accepts American Express; Visa is the primary credit card.Costco offers various payment methods including cash, checks, and mobile payments.
I earned $2,000 worth of credit card rewards while raising my credit score from 590 to 715Using credit cards wisely can earn beneficial rewards and improve credit scores.
I have a 650 credit score, and 8 credit cards but want to get down to 3. What's next?The ideal number of credit cards varies by individual, but managing a few cards responsibly is key to good credit.
My Favorite Airline Is Now Unrecognizable. I Want to Protest These Changes, but It Could Come at a Huge Personal Cost.Long-time loyalty to Southwest Airlines has been diminished due to major policy changes, prompting a reconsideration of the associated credit card.
At 35 I Have a Near Perfect Credit Score. Here Is My Playbook.A great credit score makes borrowing money more affordable.Understanding what affects your credit score is vital for financial decisions.
I put $4k on my credit card, then paid it off in 24 hours. Was this a mistake?Simple changes can improve your credit score.Optimally, paying off credit cards doesn't mean doing it immediately to enhance credit.
I earned $2,000 worth of credit card rewards while raising my credit score from 590 to 715Using credit cards wisely can earn beneficial rewards and improve credit scores.
I have a 650 credit score, and 8 credit cards but want to get down to 3. What's next?The ideal number of credit cards varies by individual, but managing a few cards responsibly is key to good credit.
My Favorite Airline Is Now Unrecognizable. I Want to Protest These Changes, but It Could Come at a Huge Personal Cost.Long-time loyalty to Southwest Airlines has been diminished due to major policy changes, prompting a reconsideration of the associated credit card.
At 35 I Have a Near Perfect Credit Score. Here Is My Playbook.A great credit score makes borrowing money more affordable.Understanding what affects your credit score is vital for financial decisions.
I put $4k on my credit card, then paid it off in 24 hours. Was this a mistake?Simple changes can improve your credit score.Optimally, paying off credit cards doesn't mean doing it immediately to enhance credit.
United Just Made Its Credit Cards More Expensive-What to KnowUnited Airlines has revamped its travel credit cards, adding new perks and increasing annual fees, enhancing travel credits for users.
I got a free Priority Pass membership with my credit card. It's not as useful as I'd hoped, but it's a pretty good value.The Capital One Venture X card offers valuable travel perks, making it a good investment despite its high annual fee.
Is Priority Pass Worth Keeping with Amex Platinum for Infrequent Travelers, What Other Options Make Sense?Maximizing credit card rewards isn't always worth it if the perks are underused, particularly for infrequent travelers.
United Just Made Its Credit Cards More Expensive-What to KnowUnited Airlines has revamped its travel credit cards, adding new perks and increasing annual fees, enhancing travel credits for users.
I got a free Priority Pass membership with my credit card. It's not as useful as I'd hoped, but it's a pretty good value.The Capital One Venture X card offers valuable travel perks, making it a good investment despite its high annual fee.
Is Priority Pass Worth Keeping with Amex Platinum for Infrequent Travelers, What Other Options Make Sense?Maximizing credit card rewards isn't always worth it if the perks are underused, particularly for infrequent travelers.
Why I Cancelled My AMEX Gold: Exploring My New No-AF Credit Card StrategyUtilizing a no-annual-fee credit card strategy can help maximize rewards without extra costs.
How Will Southwest Airlines New Bag Fees Impact Frequent Flyers and Credit Cardholders, Should We Switch To Another Card?Southwest Airlines is changing its checked baggage policy, charging for bags starting May 27, 2025, which may affect customer loyalty.
The real reason Southwest is charging for bags nowSouthwest Airlines is incentivizing credit card sign-ups by offering cardholders a free checked bag, aiming to boost loyalty revenue.
How Will Southwest Airlines New Bag Fees Impact Frequent Flyers and Credit Cardholders, Should We Switch To Another Card?Southwest Airlines is changing its checked baggage policy, charging for bags starting May 27, 2025, which may affect customer loyalty.
The real reason Southwest is charging for bags nowSouthwest Airlines is incentivizing credit card sign-ups by offering cardholders a free checked bag, aiming to boost loyalty revenue.
Crackdown on government cards to cut 'wasteful' spendingThe UK government is canceling thousands of taxpayer-funded credit cards due to increased spending.Measures include limiting expenditure on cards and imposing stricter approval processes.
I'm a slight beginner. What is the best cash back credit card for me?Young adults can build credit by becoming authorized users or choosing no-annual fee credit cards.
I've Always Paid With A Debit Card, But People Say For $20+ A Credit Card Is Better. What's The Real Answer?Using credit cards can help establish good credit and provide additional benefits like rewards.Educating oneself on how credit card usage impacts credit scores is essential.
I was disciplined with credit cards until a trip to Japan - peer pressure led me to overspend. Should I cut up my cards?Irresponsible credit card usage can derail financial plans, but disciplined use can provide benefits and improve credit scores.
3 credit cards rich people carry that almost anyone can apply forPremium cards like Amex Platinum are accessible to those with excellent credit and stable income, providing luxurious benefits despite exclusive perceptions.
I'm 21, never missed a credit card payment, and prefer it over debit cards - am I on the right track?Credit cards offer better fraud protection, while debit cards promote financial discipline.
My wife and I use credit cards over debit for travel points - is this the best strategy?Credit card usage may hinder saving and encourage impulse spending, despite rewards and benefits.
I'm a slight beginner. What is the best cash back credit card for me?Young adults can build credit by becoming authorized users or choosing no-annual fee credit cards.
I've Always Paid With A Debit Card, But People Say For $20+ A Credit Card Is Better. What's The Real Answer?Using credit cards can help establish good credit and provide additional benefits like rewards.Educating oneself on how credit card usage impacts credit scores is essential.
I was disciplined with credit cards until a trip to Japan - peer pressure led me to overspend. Should I cut up my cards?Irresponsible credit card usage can derail financial plans, but disciplined use can provide benefits and improve credit scores.
3 credit cards rich people carry that almost anyone can apply forPremium cards like Amex Platinum are accessible to those with excellent credit and stable income, providing luxurious benefits despite exclusive perceptions.
I'm 21, never missed a credit card payment, and prefer it over debit cards - am I on the right track?Credit cards offer better fraud protection, while debit cards promote financial discipline.
My wife and I use credit cards over debit for travel points - is this the best strategy?Credit card usage may hinder saving and encourage impulse spending, despite rewards and benefits.
If You're Still Paying With Cash, Stop. Credit Cards Are Better In Every WayCredit cards are increasingly preferred over cash for purchases due to convenience and rewards.
The Evolution of Credit Cards: A Brief History of Payment Methods - Social Media ExplorerCredit cards have evolved significantly from proprietary use in the 1920s to universal acceptance with innovations driven by technology and consumer demand.
If You're Still Paying With Cash, Stop. Credit Cards Are Better In Every WayCredit cards are increasingly preferred over cash for purchases due to convenience and rewards.
The Evolution of Credit Cards: A Brief History of Payment Methods - Social Media ExplorerCredit cards have evolved significantly from proprietary use in the 1920s to universal acceptance with innovations driven by technology and consumer demand.
Travel Rewards Programs Now: Too Many Points, Not Enough SeatsAirlines are increasing credit card bonuses while devaluing loyalty points, leading to diminished travel rewards for consumers.
When you will earn miles on a flight and when you won'tEarning frequent flyer miles requires creating an account, booking certain tickets, and correctly adding your frequent flyer number.
How I Save Hundreds of Dollars a Year With Points Programs and Other Travel SubscriptionsUtilizing frequent-flier programs can lead to substantial savings on travel expenses.Essential memberships like Clear, Global Entry, and TSA PreCheck save time despite their costs.High-end travel cards like Chase Sapphire Reserve offer benefits that offset annual fees and enhance travel experiences.
How to earn and use a Marriott Bonvoy 35,000-point certificate - The Points GuyMarriott credit cards provide valuable free night award certificates annually, enhancing travel for varied users.
Travel Rewards Programs Now: Too Many Points, Not Enough SeatsAirlines are increasing credit card bonuses while devaluing loyalty points, leading to diminished travel rewards for consumers.
When you will earn miles on a flight and when you won'tEarning frequent flyer miles requires creating an account, booking certain tickets, and correctly adding your frequent flyer number.
How I Save Hundreds of Dollars a Year With Points Programs and Other Travel SubscriptionsUtilizing frequent-flier programs can lead to substantial savings on travel expenses.Essential memberships like Clear, Global Entry, and TSA PreCheck save time despite their costs.High-end travel cards like Chase Sapphire Reserve offer benefits that offset annual fees and enhance travel experiences.
How to earn and use a Marriott Bonvoy 35,000-point certificate - The Points GuyMarriott credit cards provide valuable free night award certificates annually, enhancing travel for varied users.
Top 3 Ways to Avoid Foreign Transaction FeesAvoiding foreign transaction fees can significantly save money during overseas travel.
I thought paying $525 a year for the United Club Infinite Card would fix my travel woes until I realized the perks I actually need cost way lessUnited Premier status is valued for travel perks but may require reassessment if travel frequency declines.
My credit card costs $695 a year, but it saves me more than that with its free Priority Pass membership and other perksThe American Express Platinum card offers substantial travel benefits that can offset its high annual fee.
Top 3 Ways to Avoid Foreign Transaction FeesAvoiding foreign transaction fees can significantly save money during overseas travel.
I thought paying $525 a year for the United Club Infinite Card would fix my travel woes until I realized the perks I actually need cost way lessUnited Premier status is valued for travel perks but may require reassessment if travel frequency declines.
My credit card costs $695 a year, but it saves me more than that with its free Priority Pass membership and other perksThe American Express Platinum card offers substantial travel benefits that can offset its high annual fee.
I've owned the Apple Card for 3 months. It's dismal compared to other credit cardsApple struggles to adapt its products based on customer feedback as evidenced by widespread dissatisfaction with the Apple Card's benefits.
Was the Apple Card too good?Apple is seeking a new partner for the Apple Card as Goldman Sachs plans to exit the partnership.
I've owned the Apple Card for 3 months. It's dismal compared to other credit cardsApple struggles to adapt its products based on customer feedback as evidenced by widespread dissatisfaction with the Apple Card's benefits.
Was the Apple Card too good?Apple is seeking a new partner for the Apple Card as Goldman Sachs plans to exit the partnership.
Revolut launches new option for its credit-card customers to pay by instalmentsRevolut introduces a repayment plan with a lower interest rate for users, consolidating purchases into flexible instalment plans.
If you book a flight with a debit card, you might want to consider giving the hotel a credit card upon arrival - here's whyCredit cards are preferable for hotel stays due to added benefits and security.Less than 1% of travel bookings are made with cash due to convenience.Credit card transactions provide safety and tracking for law enforcement.
The top 5 ways you can prevent your credit card from getting stolen or hackedCredit cards provide better security and consumer protection compared to debit cards, but users must also take steps to safeguard their information.
Capital One Venture X Rewards Credit Card ComparisonThe Capital One Venture X Rewards Credit Card offers excellent rewards for travelers, including airport lounge access and versatile redemption options.
The Most-Searched Travel Rewards Credit Cards of the Past YearTravel rewards cards are gaining popularity due to their significant bonuses and benefits.Cash-back cards remain a strong option for consumers looking to earn free rewards.
Capital One VentureOne Rewards Credit Card ComparisonCapital One credit cards provide significant benefits for travelers, including flexible mileage usage and no foreign transaction fees.
Capital One Platinum Secured Credit Card ComparisonThe Capital One Platinum Secured Credit Card is ideal for building credit with no annual fees and automatic credit line increases.
Capital One Venture X Rewards Credit Card ComparisonThe Capital One Venture X Rewards Credit Card offers excellent rewards for travelers, including airport lounge access and versatile redemption options.
The Most-Searched Travel Rewards Credit Cards of the Past YearTravel rewards cards are gaining popularity due to their significant bonuses and benefits.Cash-back cards remain a strong option for consumers looking to earn free rewards.
Capital One VentureOne Rewards Credit Card ComparisonCapital One credit cards provide significant benefits for travelers, including flexible mileage usage and no foreign transaction fees.
Capital One Platinum Secured Credit Card ComparisonThe Capital One Platinum Secured Credit Card is ideal for building credit with no annual fees and automatic credit line increases.
I'm using my kids' Christmas money to pay my expenses - times are toughA mother is torn between using her children's gift money to manage financial strain or relying on credit cards.
Toyota Shares Crippled By Industry ChallengesToyota's hybrid strategy faces challenges due to declining sales in key markets, specifically North America and China.
My college friends suggest using a credit card for small purchases and paying it off immediately - is this a smart move?Paying off small credit card purchases can effectively build credit when managed carefully.