credit
Will Closing Your First Credit Card Ruin Your Score
Navigating the decision to close your first credit card can feel daunting. Let's break down the impact on your credit score and explore your options with a playful twist.
Credit Kennel 🐾
Credit scores & credit cards
Latest Articles
Fresh takes on credit kennel that won't make you want to chase your tail.
credit
Balancing Debt and Fun: Finding Your Financial Groove
Learn how to strike a balance between paying off debt and enjoying life without feeling guilty about either.
credit
Should You Grab That Travel Credit Card Now or Hold Off for More Cash?
Exploring the pros and cons of getting a travel credit card now versus waiting until you travel more often and earn more money.
credit
Top Credit Cards for Young Professionals Ready to Build Rewards and Credit
Discover the best credit cards for new grads ready to maximize rewards and establish a strong credit history.
credit
Navigating the Risks of Buy Now Pay Later Apps for Students
Buy now pay later apps can be a tempting way for students to spread out expenses, but understanding the potential long-term impact on credit is crucial.
credit
Is That Student Loan Forgiveness Text a Scam or the Real Deal?
Unravel the mystery behind that random text about student loan forgiveness and learn how to confirm its legitimacy before sharing your information.
credit
Are Payday Loans a Quick Fix or a Debt Trap?
Exploring the pros and cons of payday loans for short-term cash needs, and why they might not be the best choice for your financial health.
credit
Is Buy Now Pay Later the Right Move for Your Furniture Purchase
Exploring the ins and outs of Buy Now Pay Later for furniture can help you make savvy choices and avoid hidden traps.
credit
The Truth About Car Title Lending: Can It Be Done Safely?
Exploring the world of car title loans to uncover the risks and hidden gems of this controversial financing option.
credit
Loaning Money to Friends: The Friendship Test
Navigating the tricky waters of lending money to friends can be daunting. Here's how to approach it wisely while keeping your friendship intact.
credit
Kickstart Your Credit Journey Before Graduation
Discover simple and safe steps to build your credit while still in school and working part-time.
credit
Avoiding Credit Regrets in Your 20s
Learn about the most common credit mistakes people regret in their 20s and how to avoid them with smart financial habits.
credit
Finding the Perfect Starter Credit Card for International Students in Canada
Discover how new international students in Canada can safely start building credit with the right starter credit card.
credit
Unlocking the Value of Premium Travel Rewards Cards
Explore whether the perks of premium travel rewards cards justify their annual fees, and find out how to make the most of lounge access and points based on your income level.
credit
Are Travel Credit Cards a Good Fit for Casual Flyers
Explore the perks and pitfalls of travel credit cards for those who fly just a couple of times a year.
credit
Decoding Good Debt and Bad Debt for Young Professionals
Understanding the difference between good and bad debt can help you make informed financial decisions, especially when considering loans for professional development.
credit
Should You Pay Off That 7 Percent Car Loan or Invest Instead
Weighing the pros and cons of paying off a high-interest car loan early versus investing your extra cash can feel like a financial rollercoaster. Let's break down the options in a fun and informative way.
credit
Getting Your First Credit Card as a College Freshman
Discover the best strategies for college students to secure their first credit card and start building a solid credit history.
credit
Should International Grad Students Get a US Credit Card
Navigating the world of credit cards as an international grad student can feel overwhelming, but understanding their benefits and how to build credit in the US can make the journey smoother.
credit
Leasing a Car After Graduation: What Credit Score Do You Need?
Planning to lease a car after graduation? Here’s what you need to know about credit scores and how to prepare for your first job offer.
credit
Fast-Track Your Student Loan Payoff in 2025
Discover the best strategies to tackle your mixed federal and private student loans and find your path to financial freedom.
credit
Is a Balance Transfer Card the Secret to Beating Credit Card Debt?
Explore whether a balance transfer card is the right move for tackling your credit card debt while keeping your finances in check.
credit
Tackling Student Loans vs. Credit Card Debt: What Should You Pay Down First?
Deciding whether to prioritize student loans or credit card debt can feel like choosing between chocolate and vanilla ice cream. Both have their merits, but understanding the differences can help you make the best financial choice.
credit
Mastering Credit Card Rewards Without Breaking the Bank
Learn how to maximize credit card rewards without letting them lead you into overspending traps. Discover strategies to enjoy cashback and points while keeping your budget intact.
credit
Student Credit Card or Secured Card: Which Builds Credit Faster?
Navigating the world of credit for the first time? Discover whether a student credit card or a secured card is your best bet for building credit quickly.
credit
Can a $700 Credit Limit Hurt Your Score
Exploring how credit utilization impacts your score and what a low credit limit really means for your finances.
credit
Find the Best Credit Card for Grocery Lovers
Discover how to maximize your grocery spending with the right credit card that offers great perks without breaking the bank on fees.
credit
How to Tame Your Credit Card Interest Rate
Learn how to negotiate a lower credit card interest rate with confidence and leverage your financial standing to your advantage.
credit
Rebuilding Your Credit After Missing Payments in School
Discover how to bounce back and rebuild your credit after missing payments during school. Learn about timelines and actionable steps to take control of your financial future.
credit
Finding Your First Credit Card Adventure
Discover the best options for your first credit card as you embark on your journey to build credit at just 19 years old.
credit
Unpacking the Hidden Costs of Closing a Credit Card
Thinking about closing a credit card? Discover the hidden costs, impact on your credit score, and what to consider before making the leap.
credit
Choosing the Right Credit Card to Build Your Credit in Canada
Navigating the world of credit cards as a new immigrant in Canada can be tricky, but understanding your options can set you on the right financial path. Let's explore secured and entry-level cards to help you build that all-important credit history.
credit
Choosing Between Debt Snowball and Avalanche for Smart Debt Payoff
Explore the two popular methods for paying off debt: the snowball and avalanche strategies, and find the one that suits your financial journey best.
credit
Smart Strategies for Tackling Medical Debt with Credit Card Options
Discover how balance transfers and debt consolidation loans can help you manage high medical debt smarter and easier.
credit
Smart Strategies for Managing Student Loans with a Disability
Explore effective options for repaying student loans while navigating the challenges of disability and limited income.
credit
Building Credit Without a Paycheck
Discover creative ways to establish and improve your credit score even when you're unemployed or on disability.
credit
Busting Credit Score Myths to Boost Your Financial Game
Unravel the truth behind common credit score myths and discover what really affects your credit rating, helping you take charge of your financial future.
credit
Emergency Fund or Paying Off Debt: Which Should You Tackle First?
Explore the age-old debate of whether to build your emergency savings or focus on crushing high-interest debt, all while keeping it fun and relatable.
credit
Maximize Your Tax Savings as a Freelancer
Explore essential tax deductions for freelancers and independent contractors to keep more money in your pocket without losing your fun.
credit
Can You Get Short Term Disability After Being Unemployed
Exploring whether you can qualify for state short term disability benefits even after a period of unemployment.
credit
Building Credit and Managing Finances When You're Unemployed and Disabled
Discover practical tips for building credit and managing your finances during unemployment and disability, making financial wellness accessible and achievable.
credit
Roth IRA and Traditional IRA Unpacked
Dive into the playful world of retirement accounts as we compare Roth and Traditional IRAs, highlighting the differences and tax implications in a fun and engaging way.
credit
Getting Long Term Disability Coverage While Unemployed and Healthy
Discover how to secure long-term disability insurance even if you're currently unemployed and in good health, ensuring peace of mind for the future.
credit
Navigating Short Term Disability, FMLA, and Unemployment Like a Pro
Explore how short term disability, FMLA, and unemployment benefits intersect when returning to work with restrictions.
credit
Navigating the Short Term Disability and Unemployment Conundrum
Understanding the relationship between short term disability and unemployment benefits can be tricky. Let's explore how these two can clash and what it means for your financial landscape.
credit
Understanding Disability Insurance Coverage When You're Unemployed
Explore how long-term disability insurance works for those who are unemployed and learn how to qualify for benefits.
credit
Finding Your Perfect Number of Credit Cards
Navigating the credit card landscape can be tricky, but understanding how many cards to have can empower you to manage your finances effectively. Let's explore the balance between flexibility and risk, and find your ideal setup.
credit
Is Now the Time to Refinance Your Student Loans
With interest rates dropping, refinancing student loans might seem like a no-brainer, but don't rush in just yet. Weigh the pros and cons and consider the benefits you might lose before making a decision.
credit
Are Premium Credit Cards Really Worth the Cost
Explore whether the perks of premium credit cards, like travel benefits and lounge access, outweigh their annual fees.
credit
Smart Moves for a Car Worth Less Than Your Loan
Discover practical solutions for managing a car loan that's underwater, from refinancing to selling and beyond.
credit
Navigating Debt Collectors When Your Wallet is Empty
Learn how to handle debt collectors when you're broke, know your rights, and protect yourself while keeping it light and engaging.
credit
Taming the Car Loan Beast When Your Budget Can't Keep Up
Explore your options for handling an unaffordable car loan, from refinancing to selling your vehicle, all while staying calm and collected.
credit
Breaking Free from Payday Loans and High-Interest Debt
Learn how to escape the payday loan trap and take control of your finances with practical tips and a fresh mindset.
credit
Rebuilding Your Credit After Gambling Addiction
Discover practical and engaging strategies to restore your credit score and financial reputation after battling gambling debts.
credit
Break Free from the Credit Card Cycle for Everyday Expenses
Discover how to stop relying on credit cards for daily spending and embrace a budget-friendly lifestyle that keeps your finances healthy.
credit
Should You Trust Klarna and Afterpay for Your Cash Flow Needs?
Exploring the pros and cons of buy-now-pay-later services like Klarna and Afterpay to help you make informed financial decisions.
credit
Breaking Free from a High-Interest Car Loan
If you’re stuck in a car loan with a sky-high interest rate, don’t fret! There are ways to escape this financial trap and regain control of your budget.
credit
Smart Strategies for Managing Debt Before Starting a Family
Navigating debt while planning for children can be tricky, but with the right strategies, you can balance both dreams without sacrificing your financial health.
credit
Smart Strategies for Tackling Debt as a Newlywed Couple
Navigating debt as a couple can feel daunting, but with the right strategies, you can tackle it together and build a strong financial future.
credit
Enjoy Life While Crushing Credit Card Debt
Learn how to tackle your credit card debt without sacrificing the fun in life. Discover strategies to balance paying off $8,000 in debt while still enjoying social activities and hobbies.
credit
Smart Strategies for Handling Debt While Starting a Family
Navigating debt while preparing for a family can feel daunting. Here's how to balance your financial responsibilities and your dreams of parenthood.
credit
Smart Strategies for Managing Student Loan Payments While Unemployed
Explore effective options for handling student loan payments when you're between jobs, including deferment and income-driven repayment plans.
credit
Tackling High-Interest Debt While Building Your Future
Navigating the balance between paying off high-interest debt and contributing to your 401(k) can be tricky. Let’s explore how to tackle that debt while still setting yourself up for a bright financial future.
credit
Mastering Multiple Credit Cards to Boost Your Score for That Dream Mortgage
Learn how to optimize your credit cards to improve your score and make your future mortgage dreams a reality.
credit
Getting Mortgage Ready: Maximize Your Approval Odds in 3 Years
Prepare for your future home purchase with these actionable steps to boost your credit and mortgage approval odds.
credit
Mastering the Art of Living Within Your Means
Discover the key to avoiding debt by embracing the simple yet powerful principle of living within your means. Learn how to make smart financial choices and enjoy life without the burden of credit card debt.
credit
Unlocking Better Rewards with Your Next Credit Card
Discover how to find a rewards credit card that offers better benefits than your standard bank card, making every purchase feel like a mini celebration.
credit
Build Your Credit Without the Balance Game
Discover how to build your credit score without carrying a balance and debunk the myth that you need to do so. Learn smart strategies to boost your credit health.
credit
Kickstart Your Credit Journey with the Right First Card
Discover how to build your credit with the right first credit card and learn to use it responsibly to set yourself up for financial success.
credit
How Inheriting Money Affects Your Credit Score and Checks
Wondering how a sudden influx of cash from an inheritance impacts your credit? Let’s break down if it triggers credit checks and how it influences your score.
credit
Navigating the Risks of Cosigning a Car Loan for Family
Cosigning a loan for a younger sibling can be a risky endeavor. Discover the potential impact on your credit score and learn how to safeguard your financial future while being the supportive sibling.
credit
Choosing Between Debt Snowball and Debt Avalanche for Your Student Loans
Explore the pros and cons of the Debt Snowball and Debt Avalanche methods for managing small student loans with similar interest rates, and find the right strategy for your financial journey.
credit
Cracking the Code on Credit Utilization with a $500 Limit
Learn how to navigate credit utilization with a low credit limit and optimize your credit score while keeping it fun and approachable.
credit
Choosing Between Unsecured and Secured Student Credit Cards
Explore the best options for building credit as a college student with no history, comparing unsecured and secured student credit cards.
credit
Deciding Between Medical Debt and Credit Card Debt
Confused about whether to tackle your medical bills or high-interest credit card debt first? This guide breaks down the options in a fun, relatable way to help you make the best choice for your financial health.
credit
Pausing Student Loan Payments During Medical Leave
Navigating student loans while facing medical leave can be tricky, but options like deferment and forbearance may offer some relief.
credit
Choosing Between a Student Credit Card and a Secured Credit Card
Explore the best options for building credit as a college student with no credit history, comparing student and secured credit cards to kickstart your financial journey.
credit
Choosing Between Debt Snowball and Debt Avalanche for Small Student Loans
Explore the benefits of the Debt Snowball and Debt Avalanche methods when tackling small student loans with similar interest rates and discover which strategy might ignite your financial journey.
credit
Mastering Credit Utilization with a $500 Limit
Learn how to optimize your credit score with smart strategies for managing a low credit limit.
credit
Should You Go for That Premium Credit Card with an Annual Fee
Exploring whether a premium credit card with travel perks is worth it when you rarely travel.
credit
Taming Credit Card Debt Before Diving into Investing
Deciding whether to pay off credit card debt or start investing can feel like a classic showdown. Let’s break down the pros and cons to help you make a savvy choice.
credit
Understanding Credit Limits on Secured Cards
Explore how lenders set credit limits on secured cards based on your cash security deposit, making it easier to build or rebuild your credit.
credit
Credit Builder Loan or Secured Card: Which Helps Your Low Score More?
Explore the ins and outs of credit builder loans and secured credit cards to find out which is the best choice for rebuilding your credit score.
credit
Building Credit for Kids: Authorized User or Secured Card?
Explore the pros and cons of adding your child as an authorized user on your credit card versus having them apply for their own secured card to build credit quickly.
credit
Fast-Track Your Credit After Graduation
Learn how to quickly build your credit score and secure that apartment lease with smart financial moves.
credit
Should I Pay Off Student Loans or Max Out My Retirement Accounts
Navigating the decision between paying off student loans and contributing to retirement can feel like a real-life episode of a financial sitcom. Let’s break it down in a fun and relatable way.
credit
Balancing Credit Cards and Age: What’s Best for Your Score
Discover how the number of credit cards and the age of your accounts can impact your credit score, and whether you should keep that old card lying around.
credit
The Surprising Perks of Overpaying Your Credit Card Bill
Discover how overpaying your credit card balance can impact your credit score and purchasing power in unexpected ways.
credit
Building Credit Wisely as a Student with No Income
Learn how students can start building credit responsibly without a steady income, avoiding pitfalls like high fees and interest.
credit
Is Consolidating Your Student Loans the Right Move?
Exploring the pros and cons of consolidating student loans with a focus on a $24K total debt and an impending income increase.
credit
Nailing Your PSLF and IDR Payments Like a Pro
Learn how to keep your student loan servicer in check and ensure your payments count toward Public Service Loan Forgiveness and Income-Driven Repayment plans.
credit
Navigating Life After Graduation with $150,000+ Debt and Zero Payments
A recent grad grappling with over $150,000 in student loans and zero payments under Income-Driven Repayment (IDR) can find clarity in understanding forbearance and their next steps.
credit
How a Redditor Paid Off $17.5K in Student Loans with Grit and Gumption
Discover how one savvy Redditor tackled $17.5K in student debt through hard work, smart budgeting, and a sprinkle of creativity.
credit
Should I Ditch My Credit Card if I'm Only Paying It Off?
Exploring whether switching to cash or debit is the right move for managing your finances and rebuilding your credit.
credit
Questions to Ask Before Hiring a Financial Advisor
Finding the right financial advisor is like casting the perfect superhero team; you want to make sure each member has the right skills, values, and powers to help you conquer your financial goals.
credit
Is Paying Rent with a Credit Card Worth the Rewards
Exploring the pros and cons of paying rent with a credit card and whether the rewards are worth the fees, featuring real stories from those who have tried it.
credit
Do Rewards Credit Cards Encourage Overspending
Exploring the balance between rewards and responsible spending with credit cards.
credit
Is 0% APR for 12 Months the Secret Sauce for Big Purchases?
Exploring the ins and outs of 0% APR offers for big purchases like furniture or appliances, while sharing tips to avoid interest traps.
credit
How Small Side Incomes Can Impact Your Tax Filing
Navigating the world of side incomes and taxes can feel like trying to solve a Rubik's Cube while riding a unicycle. Let’s break down how those extra bucks can affect your tax situation and what you need to know to keep things simple.
credit
Smart Ways to Track Your Side Hustle Earnings
Discover practical tools and tips to effortlessly track your side hustle earnings, making tax season a breeze without the overwhelm.
credit
What's Changing with the New RAP Plan and Negotiated Rulemaking
Dive into the world of negotiated rulemaking under the new RAP plan and discover how repayment and forgiveness options might shift, as discussed by Redditors and financial enthusiasts alike.
credit
Did EdFinancial Just Give You a Little Extra Time?
Find out how EdFinancial’s auto-extension of recertification dates for income-driven repayment plans can give borrowers some breathing room and what it means for your finances.
credit
Do I Need to Tell the CRA About My PayPal Sales?
Discover whether your hobby sales on PayPal are taxable and how to report your income to the CRA.
credit
Start Building Your Credit in Canada Without a Credit Card
Discover how to kickstart your credit journey in Canada even without a credit card, with tips that are practical and easy to follow.
credit
Climbing Out of Debt at 30: Your Game Plan for Financial Freedom
Discover practical strategies to tackle debt and build savings, even when starting from a challenging financial position.
credit
Navigating TEPSLF Forgiveness on the Extended Graduated Repayment Plan
Wondering if you can make extra payments on your Extended Graduated Repayment Plan to qualify for TEPSLF forgiveness? Let's break it down in a friendly and engaging way.
credit
Finding Financial Advisors Who Get Student Debt Repayment
Explore how to find financial advisors who specialize in student debt repayment, especially for healthcare workers navigating options like PSLF and other programs.
credit
Understanding $0 Student Loan Payments and What It Means for You
Exploring the realities of $0 student loan payments until 2027, how it affects your loans, and what to know about PSLF.
credit
Mastering Credit Card Debt When You're Feeling Broke
Learn practical strategies to tackle credit card debt even when your finances feel tight. Discover how to navigate your way out of $1,500 in debt with creativity and determination.
credit
Do Student Overdraft Accounts Hurt Your Credit
Exploring the impact of student overdraft accounts on your credit score and financial health.
credit
Are Credit Card Perks Worth the Annual Fee
Explore whether paying an annual fee for credit card perks like lounge access is worth it, especially on a student budget.
credit
Paying Your Credit Card in Full: The Secret to a Better Score
Discover why paying your credit card in full is the best strategy for building a solid credit score, despite what some friends might say about carrying a balance.
credit
Choosing Between a Secured Card and a Student Card at 18
Deciding between a secured credit card and a student credit card? Let's explore which option might help you build credit faster while keeping risks in check.
credit
Mastering Student Loan Payments While Still in School
Learn how to effectively manage your student loan payments and ease your financial worries while pursuing your education.
credit
Don’t Panic If You’re 20 and Credit-less
Building credit early is important, but starting now can still lead to a bright financial future.
credit
Cash-Back vs. Travel Cards for Under 25s: What’s the Better Pick?
Navigating the world of credit cards can be tricky, especially when deciding between cash-back and travel rewards. This playful guide helps you weigh your options and find the perfect card for your lifestyle.
credit
Mastering Multiple Credit Cards as a Student
Learn how to manage multiple credit cards wisely as a student, balancing your spending while reaping the rewards.
credit
Building Credit as an International Student
Discover how international students can start building credit in a new country, exploring secured cards and becoming authorized users.
credit
Should You Pay Off Student Loan Interest While in School
Explore whether to tackle student loan interest now or save for the future, with insights that make financial sense.
credit
Are Low Limit Student Credit Cards Worth It?
Exploring the value of student credit cards with low limits and how they can build your credit history.
credit
Navigating the Changing Landscape of Credit Card Rewards
Explore the world of credit card rewards as we share stories from users about cards that have held their value versus those that have taken a hit. Get ready to learn what makes a solid rewards card in today’s shifting environment.
credit
Best First Credit Card for Building Your Credit Journey
Discover the perfect first credit card that helps you build credit with low fees and decent rewards.
credit
Snowball vs Avalanche: Which Debt Payoff Strategy Wins?
Explore the Snowball and Avalanche debt payoff strategies to find out which approach can help you tackle debt while keeping your motivation high and your finances healthy.
credit
Should You Carry a Small Credit Card Balance for Rewards?
Exploring the balance between maximizing credit card rewards and the risks of carrying a balance.
credit
When Credit Card Rewards Take a Hit
Discover how to navigate changing credit card rewards and ensure your financial strategy stays strong and rewarding.
credit
Investing vs Paying Off Small Loans: Where Should Your Dollars Go?
Explore the financial tug-of-war between paying off small loans and investing, and discover which option might bring you greater returns.
credit
Choosing Your First Credit Card Made Easy
Navigating your first credit card can be tricky, but understanding the basics of cash back, low interest, and rewards will help you make a smart choice.
credit
Should You Pay Off High Interest Debt or Start Investing First?
Deciding whether to tackle high interest debt or dive into investing can be tricky. Let's break down the options to help you make the best choice for your financial future.
credit
Is It Time to Refinance Your Debt or Enjoy Lower Interest Rates?
Explore when to refinance debt or take advantage of falling interest rates and make smarter financial choices.
credit
Navigating the Shifting Sands of Reward Credit Cards
Explore how to choose reward credit cards wisely and navigate changing terms without losing your cool.
credit
Avoiding the Debt Trap After Big Purchases
Learn how to steer clear of debt after splurging with smart budgeting tips and expense reduction strategies.
credit
Steering Clear of the Debt Trap After a Big Purchase
Learn how to dodge the debt trap that often follows a major purchase with savvy budgeting tips and expense-reducing strategies to keep your finances on track.
credit
Snowball vs Avalanche: Which Debt Payoff Strategy Wins the Battle?
Exploring the Snowball and Avalanche methods for debt payoff reveals insights on speed versus psychological wins, based on real-life experiences from Reddit threads.
credit
Are Credit Card Rewards Losing Their Spark?
Many credit card users are feeling let down as rewards dwindle and categories shift. Let's explore the stories behind these changes and how savvy consumers are adapting.
credit
How Many Credit Cards Are Too Many
Navigating the world of credit cards can be tricky, but understanding how to manage multiple cards can help you enjoy their benefits without the stress.
credit
Navigating Changes in Rewards Cards: To Cancel or Adapt
When rewards cards shake things up with new perks or reduced rewards, it's time to weigh your options: cancel, downgrade, or adapt. Here’s how to handle the twists and turns of credit card changes.
credit
Cash-Back vs. Travel Rewards: The Simpler Choice for Everyday Spend
Is cash-back the easier option compared to the complexities of travel rewards? Here's why cash-back might just be the friendlier choice for those who don’t jet-set often.
credit
The Truth Behind Rewards Programs and Sneaky Fine Print
Dive into the world of rewards programs and uncover the hidden traps in fine print that can leave consumers feeling duped, with real-life examples of those caught off guard.
credit
Do Credit Card Points Lose Value Over Time
Explore how credit card rewards can change value and what that means for your future spending.
credit
Navigating Changes in Bank Rewards Like a Pro
When your bank changes its rewards program, it can feel like a plot twist in your favorite series. Here’s how to decide whether to stick it out or switch up your game.
credit
Choosing Between Cashback and Travel Rewards for Long-Term Value
Explore the pros and cons of cashback and travel rewards cards to find out which offers better long-term value in today's shifting credit card landscape.
credit
Should You Switch to the New RBC Rewards Credit Cards?
Explore the ins and outs of evaluating new rewards credit cards and whether making the switch is worth it.
credit
To Itemize or Not to Itemize That's the Tax Question
Navigating tax season as a freelancer or side hustler can feel like a choose-your-own-adventure book. This guide will help you decide between tracking every expense or taking the standard deduction, with tips on what works best for many in your shoes.
credit
Are Credit Card Points Worth It If You Rarely Travel
Exploring the value of credit card points versus travel rewards for infrequent travelers, weighing the pros and cons of each option.
credit
Are 0% Balance Transfers a Financial Lifesaver or a Trap?
Exploring the truth behind 0% balance transfer credit cards, including potential pitfalls like fees and interest rates that can turn a seemingly great deal into a financial headache.
credit
Break Free from Credit Card Debt for Good
Explore effective strategies to tackle credit card debt once and for all, from the snowball and avalanche methods to smart spending cuts.
credit
Investing Extra Money vs Paying Down Low Interest Debt
Explore the balance between investing and debt repayment to find what suits your financial style.
credit
Finding the Perfect Travel Credit Card for Beginners
Discover the best travel credit cards for newcomers to the world of rewards, featuring solid bonuses and flexible perks to make your journeys more rewarding.
credit
Finding Your Perfect Credit Card Balance
Discover how to strike the right balance between enjoying credit card rewards and avoiding pitfalls like fees and hard inquiries.
credit
Winning Credit Card Strategies Straight from Reddit
Explore the best credit card advice from Reddit and discover what truly works for managing your finances with confidence.
credit
Are Cashback Rewards Taxable Income
Discover whether those shiny credit card rewards are considered taxable income and what it means for your finances.
credit
Are Credit Card Rewards Worth the Risk of Fees and High Interest
Exploring whether the chase for credit card rewards is worth the potential fees and high interest rates, and when the trade-offs make sense.
credit
Top Cashback Credit Cards Loved by Reddit Users
Discover the most recommended cashback credit cards among Reddit enthusiasts, featuring cards that consistently deliver rewards and value.
credit
Choosing the Best Credit Card for Full Balance Payers
Discover the ideal credit cards for those who pay their balance in full, focusing on great rewards and low fees.
credit
Refinance or Invest: The Great Financial Showdown
Explore the tricky balance between refinancing debt and investing, and discover when it makes sense to make the leap for your financial future.
credit
Dodge Credit Card Stealth Fees Like a Pro
Learn how to spot sneaky credit card fees hiding in fine print and take control of your finances with these savvy tips.
credit
Credit Utilization Secrets: 30% vs 10% and the Real Score Boost
Exploring the impact of credit utilization on your credit score, we dive into the difference between keeping it at 30% versus 10% and share real success stories to inspire your financial journey.
credit
Treating Debt Like an Emergency: When to Take Action
Understanding when to prioritize debt repayment over long-term management can help you make smarter financial decisions and pave the way for a brighter financial future.
credit
What Happens If You Miss a Credit Card Payment by a Few Days
Missing a credit card payment can feel like a scene from a dramatic movie, but the reality is often less dire than you might think. Discover what really happens when you miss a payment and how others have navigated similar situations.
credit
Cash-Back Cards vs Travel Rewards Cards: Choosing Your Financial Adventure
Explore the trade-offs between cash-back and travel rewards credit cards, weighing fees against real-world benefits to find out what suits your lifestyle best.
credit
Paying Off Credit Card Debt vs. Investing: What’s the Smart Move?
Deciding between paying off high-interest credit card debt and starting to invest can feel like choosing between popcorn and nachos at the movies. Both have their perks, but what should you prioritize? Let’s break it down.
credit
Balancing Credit Card Rewards and Interest: Are Fees Worth It?
Discover whether credit card perks outweigh the costs of annual fees, even if you don't use all the benefits.
credit
Is a High APR Under 10% Worth It for Cash Back?
Exploring the trade-offs of accepting a credit card with a 9.9% APR and 2% cash back can help you make smarter financial decisions.
credit
Multiple Credit Cards: Boosting or Bumping Your Credit Score?
Exploring the impact of multiple credit cards on your credit score while keeping the fun alive.
credit
Is It Smart to Carry a Balance on Your Credit Card?
Exploring the pros and cons of carrying a balance on your credit card, especially during promotional 0% offers, and how to make the most of your cash.
credit
Using Credit Cards for Convenience: The Risks and Rewards
Exploring the pros and cons of using credit cards for everyday purchases, including how they can build credit and offer perks when managed responsibly.
credit
Choosing Your First Credit Card When You Have No Credit History
Navigating the world of credit can feel like stepping into a maze, especially if you're starting from scratch. This guide breaks down the best options for your first credit card, focusing on low fees, rewards, and security.
credit
Tackling Credit Card Debt or Boosting Your Retirement Fund
Deciding between paying off credit card debt and contributing to your retirement account can feel like choosing between two blockbuster movies. Each option has its merits, but understanding how they stack up can help you make the best financial decision.
credit
Fraud Alerts or Credit Freezes: Which One Wins in the Battle for Your Identity?
Explore the differences between fraud alerts and credit freezes, including their impact on credit, cost, and convenience, to find out which option offers you the best protection against identity theft.
credit
Are Credit Card Signup Bonuses Really Worth the Hype
Exploring the reality behind credit card signup bonuses and whether they're worth the chase.
credit
Building Credit from Scratch is Easier Than You Think
Discover simple and effective ways to start building your credit without the fear of high fees or rejection.
credit
Are Rewards Programs Losing Their Spark
Many users are noticing shifts in rewards programs, from expiring points to shrinking categories and lower cash-back rates. Let’s explore whether it’s time to switch cards and what that means for your wallet.
credit
Choosing the Best Credit Cards in Canada for Rewards and Acceptance in 2025
Explore the balance between grocery rewards and acceptance rates with popular Canadian credit cards like Amex Cobalt and MBNA World Elite.
credit
Should You Charge $4,000 Furniture and Pay it Off Immediately?
Exploring the pros and cons of using a credit card for furniture purchases and paying it off immediately, including risks, rewards, and financing offers.
credit
Are Hotel Reward Credit Cards Still Worth It in a Saturated Market?
With reports of blackout dates, limited availability, and high fees, we explore whether hotel reward credit cards still hold value.
credit
Boost Your Credit While Renting and Paying Utilities
Learn how to build your credit score by making the most of your rent and utility payments, and discover if using credit cards or specific services can help you along the way.
credit
The Sneaky Side of Cash-Back Credit Cards
Cash-back credit cards are losing their charm as issuers change reward structures and tweak fine print. Let’s uncover how to navigate this evolving landscape.
credit
Navigating Student Loans: Less Can Be More
A playful look at how Canadian students can make smart choices with their loans and bursaries to avoid overborrowing and build a brighter financial future.
credit
Student Loan Dilemma: Extra Payments or Investing in a TFSA
Navigating the choice between making extra payments on student loans or investing in a TFSA can be tricky. Let's break it down with some friendly financial advice.
credit
Tackling $34K in Student Loans: Payoff Plans vs. Investment Dreams
Explore the best strategies for a recent grad to handle $34K in unsubsidized student loans, comparing aggressive payoff methods with smart investing.
credit
Why Getting a Credit Card at 18 Can Be a Smart Move
Navigating the world of credit cards as a young adult can be challenging, especially when family concerns come into play. Here’s how to understand the benefits of your Discover student card while easing your parents' worries.
credit
The Perfect First Credit Card for Recent Grads
Unlock the world of credit with the best options for recent graduates seeking low fees and rewarding experiences.
credit
Smart Credit Card Choices for College Students
Discover the best credit cards for college students looking to build credit without breaking the bank.
credit
Decoding Your First Credit Card and Mom's Advice
Navigating the world of credit can be tricky, especially with well-meaning but confusing advice from parents. Let's break down what really matters for building your credit score as a young adult.
credit
Smart Steps for College Students to Build Credit
Discover essential tips for college students on managing credit wisely, including paying off balances, choosing the right rewards card, and keeping credit utilization low.
credit
Paying Off Your Provincial Student Loan Just Got Easier
A new feature from NSLSC allows you to pay your provincial student loan online, saving time and hassle while cutting down on interest costs.
credit
Navigating the Student Loan Maze with Smart Strategies
Explore how savvy students and graduates are tackling the rising burden of student loans with effective strategies like income-driven repayment plans, aggressive pay-downs, and part-time work.
credit
The End of Subsidized Student Loans and Extended Repayment: What You Need to Know
The new budget bill is shaking up the student loan landscape by eliminating subsidized loans and extending repayment terms for new borrowers. Here’s how this impacts students and their wallets.
credit
Navigating the SAVE Plan Forbearance: Tips for Budgeting with Uncertainty
Learn how to budget wisely during the SAVE plan forbearance, with practical tips and a friendly approach to managing your finances until 2025.
credit
Should You Pay Off Student Loan Interest or Tackle Your Mortgage First?
With student loan interest resuming after a long break, many are faced with the decision of whether to focus on paying off that interest or to direct extra payments toward their mortgage. Let's break down the options and help you decide the best move for your financial future.
credit
Student Loan Payments Taking You from $500 to $5,000 Overnight
Recent changes in income-driven repayment plans have sent monthly student loan payments soaring for many graduates, leaving them anxious about how to cope with the sudden financial strain.
credit
Can You Get a Student Line of Credit with Bad Credit
Discover how to navigate the world of student lines of credit even with a not-so-stellar credit score.
credit
Smart Moves for Parents Facing Parent PLUS Loan Interest Hikes
Explore refinancing options for Parent PLUS loans, including consolidation, Public Service Loan Forgiveness, and co-signers, to manage rising interest rates.
credit
Debt Avalanche vs Snowball in Paying Off $25k+ Student Loans
Exploring the pros and cons of the debt avalanche and snowball methods for tackling student loans, we dive into real experiences from folks who have tackled their $25k+ debt. Spoiler: it's all about your style and discipline!
credit
Navigating Student Credit Cards Without a Traditional Income
Exploring how scholarships and allowances can help you secure your first student credit card, even without a traditional income.
credit
How European Students Can Get a US Credit Card Without Breaking the Bank
Navigating the world of credit cards in the US can be tricky for international students. Here’s how to find a student card that's friendly to foreign income and low on fees.
credit
Why Is a 700 Credit Score Not Enough to Get a Credit Card?
A college student with a solid credit score faces frustrating credit card denials despite minimal debt and multiple inquiries. Let's dive into the hidden factors that could be influencing those rejections.
credit
Smart Credit Card Choices for a 26-Year-Old Student with a Low Credit Score
Explore the best credit card options for students looking to rebuild their credit while traveling on a budget.
credit
Best Credit Card Options for College Students
Discover the perfect credit card for college students that helps build credit safely without breaking the bank.
credit
Best Credit Cards for Students in Canada
Explore the perfect no-fee credit cards for students that offer solid rewards and cash back without the stress of income minimums.
credit
Understanding the Real-World Consequences of Defaulting in the USA
Explore the impactful consequences of defaulting on loans, including wage garnishment, tax refund offsets, and credit score drops.
credit
Navigating Student Loans from Afar: Can You Default While Living Abroad?
Exploring the implications of defaulting on student loans as an international student living outside the USA, addressing concerns about enforcement and credit impact.
credit
Navigating Foreign Debt for Your US Education
Exploring how to manage foreign loans while studying in the US, including refinancing options, cosigners, and the impact of exchange rates.
credit
Turning the Tide on Student Debt in Canada
Discover how to navigate the complexities of student loans and grants in Canada, especially if misfiled applications have left you with a hefty burden.
credit
Student Loan Recert Delay: What It Means for Your Wallet
The recertification for student loans has been pushed back to 2026, leaving many borrowers wondering how to navigate their payments and budgets. Let's dive into what this means for you.
credit
Exploring Secured Student Loans for Medical School: Can Assets Help You Save?
Navigating the world of student loans for medical school can be tricky. Learn how secured loans with collateral might give you an edge and if they’re worth exploring in the realm of private loans.
credit
Is 13-14% Interest on Private Loans Too High for International F1 Students?
Navigating private loan options can feel like racing through a hairpin turn. Let’s explore the implications of high interest rates and potential alternatives for international F1 students seeking financial support.
credit
Navigating Grad School Loans When You're Married and Eyeing $100K
Exploring grad school loan options for a young student in a PA program, this guide offers insights on managing $100,000 in debt and making smart repayment choices.
credit
Navigating Your Student Loan Repayment Strategy Like a Pro
With student loan repayments set to start in November, discover the best strategy for managing your $20,000 debt while taking advantage of the current 0% interest rate.
credit
Should I Pay Off My Student Loan in Full or Invest Instead?
Deciding between paying off student loans and investing can feel like choosing between a cozy blanket and an exciting adventure. Let's break it down in a fun and relatable way.
credit
Balancing Family Debt and Your Financial Future
Navigating the delicate situation of helping a parent in debt while trying to build your own financial foundation can be tricky. Here's how to find balance and make informed decisions.
credit
Why Paying Off a Loan Can Sometimes Lower Your Credit Score
Discover the surprising reasons your credit score might drop after paying off a loan and how to navigate the credit maze like a pro.
credit
Is It Time to Ditch the Credit Card for Good?
Feeling like your paycheck disappears into credit card payments? Discover whether switching to cash or debit could be the reset you need.
credit
Beat the Late Fee Blues with Smart Autopay Strategies
Discover how to prevent late fees from autopay failures with practical tips and savvy strategies.
credit
Why a 0% Balance Transfer Can End Your Grace Period for New Purchases
Discover how a 0% balance transfer can impact your purchase grace period and what you can do about it.
credit
Understanding the SAVE Plan Forbearance and Interest Confusion
Clear up the confusion about the SAVE plan forbearance dates and interest payments with this playful yet informative guide.
credit
Affirm's New Move: Will Small Loans Sink Your Credit Score?
With Affirm starting to report to credit bureaus, many are concerned about how multiple small installment loans will affect their credit scores. Let's break it down.
credit
Get Ready for Ontario's Credit Freeze in 2026
As Ontario gears up for a credit freeze in 2026, learn how to prepare and protect your financial future starting now.
credit
Navigating Your Nelnet Payment Spike After IDR Recertification
If your Nelnet payment skyrocketed after your IDR recertification, don’t panic! Here’s how to tackle that unexpected change and find a solution that works for you.
credit
Did a 0% Balance Transfer Take Away My Purchase Grace Period
Navigating balance transfers and their impact on grace periods can feel like stepping into a financial maze. Let’s break it down in a fun and approachable way to see how your 0% balance transfer might be affecting your new purchases.
credit
Choosing Your First Student Credit Card: Weighing Benefits Against Fees
Navigating your first student credit card can feel like a real-life treasure hunt. With a stellar credit score and a new job, it's the perfect time to explore the balance between 0% intro APR, rewards, and annual fees. Let's dive into how to choose wisely and what’s worked for others.
credit
Should I Invest or Pay Off My High-Interest Credit Card Debt?
Exploring the balance between investing in a TFSA and tackling high-interest credit card debt can feel like a financial tug-of-war. Let's break it down in a fun, engaging way.
credit
Breaking Into Credit: A Guide for International Student Residents
Navigating the world of credit can be tricky for international students in Canada. Discover how to build your credit history and unlock the door to your first credit card with secured options and authorized user strategies.
credit
Navigating Your First Student Credit Card: Balancing Benefits and Fees
Choosing your first student credit card can feel like entering a maze, but understanding the balance between benefits and fees can lead you to financial success.
credit
Should I Invest or Pay Off Credit Card Debt First
Exploring the balance between investing in a TFSA and tackling high-interest credit card debt can be tricky. Let’s break it down in a fun and friendly way.
credit
Cracking the Code for International Students with Short Credit Histories
Discover how international students with minimal U.S. credit histories can successfully navigate the world of credit cards through secured options and authorized user strategies.
credit
Top Fee-Free Student Credit Cards in Canada with Rewards
Explore the best fee-free student credit cards in Canada that offer great rewards, perfect for budgeting students.
credit
Choosing the Right Credit Card for International Grad Students
Discover the best credit card options for international grad students with stipend income, focusing on travel rewards and low fees.
credit
Navigating the Student Loan Minefield as Rules Tighten
Proposed changes to student loan forgiveness programs have Redditors buzzing with concern about eligibility and repayment plans. Let's break down what this means for borrowers and how to stay informed and prepared.
credit
Counting Your Stipend for Credit Card Applications
Wondering if your stipend as a grad student counts as income for credit cards? Let's break it down in a fun and easy way.
credit
Borrowers Stuck in Limbo as IBR and IDR Forgiveness Pauses
Many borrowers who thought they were on the brink of student loan forgiveness are left waiting as processing delays stall their relief.
credit
Repayment Takes Center Stage in the Big Beautiful Bill
The Trump administration's new approach to student loans focuses on repayment over forgiveness, reshaping the landscape of income-driven repayment plans and emphasizing financial responsibility.
credit
Budgeting for the Interest Resurgence in the SAVE Plan
With interest resuming for SAVE plan users, borrowers are bracing for potential increases in their payments. Here’s how to budget for this financial shift.
credit
Teachers Union Takes a Stand on Student Loan Forgiveness Freeze
The AFT is challenging the pause on student loan forgiveness eligibility, arguing that many qualified educators are being unfairly blocked from relief amid recent policy changes.
credit
When Your Student Loan Payment Takes a Wild Turn
Discover how to navigate unexpected student loan changes and regain control of your finances.
credit
Building Your Credit Score as an International Student at UBC
Learn how to navigate the Canadian credit landscape as an international student, including tips on credit cards and secured cards to help you build your credit score.
credit
Untangling the SAVE and IDR Payment Mysteries
Navigating the complexities of student loan repayment can feel like a plot twist in a confusing movie. Let's break down the payment count discrepancies and how to tackle them with clarity.
credit
PSLF Status Update Brings Relief and Questions About Credit Reports
Exciting updates on the Public Service Loan Forgiveness program mean relief is near for many borrowers, but how quickly will credit reports reflect the changes?
credit
When Student Loan Payments Take a Sudden Leap
Navigating unexpected changes in student loan payments can be tricky. Here's how to handle a shocking jump in your monthly payments and regain control of your finances.
credit
When Your Loan Balance Skyrockets Overnight
Discover the reasons behind sudden changes in student loan balances and what to do if it happens to you.
credit
What to Do When Your Student Loan Payment Skyrockets
Facing a mind-blowing increase in your student loan payment can feel like a plot twist in a suspense thriller. Here’s how to navigate the drama and find your financial footing.
credit
PSLF Joy: Redditor Celebrates Federal Loan Forgiveness
A Redditor's exciting news about federal loan forgiveness sparks celebration in the community, highlighting the power of the Public Service Loan Forgiveness program.
credit
What You Need to Know About New Repayment Rules Coming in 2026
Starting in July 2026, new borrowers will see changes in federal student loan repayment plans, primarily moving toward the Repayment Assistance Plan and standard options, while older Income-Driven Repayment plans will gradually be phased out but preserved for those who already have them.
credit
The End of Subsidized Loans and What It Means for Students
The new budget bill eliminating subsidized loans means interest starts accumulating immediately for students. Let's break down how this impacts low-income students and what it really means for their future finances.
credit
Should You Pay Off $140K in Student Loans or Bet on Forgiveness in 2035
Navigating the world of student loans can feel like facing off against a boss level in a video game. With $140K in student loans at 6% APR and the prospect of forgiveness in 2035, you have some tough choices to make. Dive into the pros and cons of paying now, investing, or banking on forgiveness, while keeping an eye out for the potential tax bomb that could come in the future.
credit
Lessons About Debt From Mom and Dad
Exploring the good and bad lessons about debt that parents pass down can help you navigate your own financial journey. From maxing student loans to savvy credit habits, let's dive into what your upbringing might have taught you.
credit
Teaching Teens About Credit with the Apple Card Experience
Explore how the Apple Card can help teach teens about credit and spending limits, and discover rival cards that offer a user-friendly interface for financial education.
credit
HDFC Bank Changes the Game: What to Do When Wallet Rewards Shrink
HDFC Bank's recent changes to wallet rewards and new rent payment fees have Indian users scrambling for alternatives. Let's explore some clever workarounds and alternatives to keep your finances in check.
credit
The $8 Late Fee Cap is Out—What Does That Mean for Your Credit Card Bill?
A recent court ruling has lifted the $8 cap on credit card late fees, allowing banks to charge more. Find out how this affects your wallet and what you can do about it.
credit
Could Capping Credit Card Rates Save Americans $100 Billion
A recent Vanderbilt study suggests that capping credit card interest rates could save Americans billions. But will Congress take action, and what should you do about opening a credit card in the meantime?
credit
The Year Credit Cards Went Rogue
Navigating the wild world of credit cards in 2025 feels like surviving a reality TV show where the challenges just keep getting tougher. Here’s the lowdown on recent changes that have left many cardholders feeling a bit betrayed.
credit
Sears Connect Card's New Paper Statement Fee - Should You Cancel?
Sears Connect cardholders face a $2.99 monthly fee for paper statements. Explore whether going paperless is the best option or if cancellation might be the way to go.
credit
Credit Card Late Fees Are Back in the Game
With the CFPB's $8 late fee cap gone, credit card late fees are on the rise. Let's explore what that means for your wallet and how to navigate the new landscape.
credit
HSBC Premier's Surprise Fee Hike: Did You Get Caught in the Wave?
Australian HSBC customers are reeling from a sudden jump in annual fees for their Premier accounts. Let’s explore what this means for you and your wallet.
credit
Why 2025 Might Be the Year of Credit Card Regret
Reddit users are buzzing about 2025 being a tough year for credit card holders due to rising fees and devalued rewards. Let's unpack what's going on and how to navigate the choppy waters of credit.
credit
Chase's Mid-Cycle Zero Reporting: A Sneaky Trick for Lower Utilization
Learn how paying your Chase card to zero before the statement cut can help improve your credit utilization for upcoming applications.
credit
Chase 2/30 and 5/24: Navigating Your Card Applications Like a Pro
Understanding the Chase 2/30 and 5/24 rules can help you maximize your credit card applications. Learn how to strategically add a second Chase card without hitting any roadblocks.
credit
Will Chase Pay in 4 Show Up on My Credit Report?
Explore whether Chase's Pay in 4 plans impact your credit score and how they fit into your financial journey.
credit
Should You Hit the Brakes on Affirm Now That It's Reporting to Credit Bureaus?
With Affirm reporting all plans to credit bureaus, let's explore how this impacts your credit score and whether you should rethink your shopping habits.
credit
Do Postpaid Phone Plans in Canada Mean a Hard Credit Check?
Exploring the ins and outs of postpaid phone plans in Canada, including the impact of hard credit checks and how they compare to prepaid options.
credit
Exploring Apple Card for Teens and Family Credit Building
Discover how the Apple Card's family sharing feature can set your teen on the path to building credit, and what to know about reporting age.
credit
What Happens When Your Citi Rewards+ Becomes Citi Strata
Exploring the transition from Citi Rewards+ to Citi Strata and what it means for your rewards, benefits, and account age.
credit
Decoding Amex No Preset Limit and Credit Utilization
Unravel the mystery of Amex's no preset limit cards, utilization reporting, and how to manage your credit for future applications.
credit
Freezing Your Kid's Credit: A Smart Move or Unnecessary Step?
Wondering whether to freeze your child's credit now or wait until they have a credit file? Let’s break down the process, documents needed, and what to do when there’s no credit file.
credit
Do Chase Business Cards Count Toward 5/24?
Unravel the mystery of Chase business cards and the 5/24 rule with engaging insights and practical tips.
credit
Balance Transfer Checks vs Direct Transfers: Which One's the Safer Bet?
Let’s break down the pros and cons of balance transfer checks versus direct transfers, helping you decide the safest and fastest way to manage your credit card debt.
credit
Navigating Amex Charge Cards and Your Credit Utilization
Discover how American Express charge cards like the Platinum affect your credit utilization and mortgage applications, and why they might not be what you think.
credit
Do Phone Payment Plans Impact Your Credit Score in Canada?
Discover how Canadian phone payment plans affect your credit report and mortgage applications, and learn what you need to know before signing that device financing deal.
credit
To Close or Not to Close Your Subprime Card Before a Mortgage
Deciding whether to ditch your fee-heavy starter card before applying for a mortgage? Here's how to weigh the pros and cons of account age versus annual fees.
credit
Breaking Free from Capital One Bucketed Cards
Explore the world of Capital One bucketed cards and discover how some cardholders have managed to escape their low credit limits with clever strategies and shared experiences.
credit
Graduation Timing and the 7th Statement: What You Need to Know
Explore the dynamics of graduation timing in the credit world, focusing on the significance of the 7th statement and what it means for your financial journey.
credit
Unlocking Amex Pop Up Jail: Should You Still Go for That Bonus Card?
Wondering if you're stuck in Amex pop up jail? Let's break down what triggers it and whether you should still chase that sweet bonus.
credit
Freezing Your Credit in Ontario: What You Need to Know
Wondering if you can freeze your credit in Ontario like they can in Quebec? Let’s break down what a credit freeze is, why it matters, and the current landscape in Canada to keep your financial identity safe.
credit
Unlocking the Secrets of Apple Card Utilization
Discover how early payments on your Apple Card can influence your credit utilization and potentially keep it at 0%.
credit
BNPL and Your Credit Report: What You Need to Know
As buy now, pay later services like Affirm plan to report to credit bureaus, it’s time to understand how this affects your credit score and financial future.
credit
Keeping Your Credit Cards Alive and Kicking
Discover how to protect your credit limits and points from inactivity shutdowns, and learn fun ways to keep your store cards active.
credit
Why Did My Credit Score Dip After Paying Off My Installment Loan?
Discover why your credit score might take a hit after paying off an auto loan and how to navigate the credit landscape like a pro.
credit
Boost Your Credit Score by Dropping an Authorized User Status
Learn how removing yourself as an authorized user can improve your credit score and what it means for your credit history.
credit
Is Paying Rent with a Credit Card Worth It? Bilt vs Rent Portal Fees Explained
Explore the pros and cons of using Bilt to pay rent with no fees versus traditional rent portals that charge up to 3%. Discover when the math makes sense for your wallet.
credit
Unpacking the 0% Balance Transfer Gotcha
Discover how 0% balance transfer offers can impact your grace period on new purchases, and learn to navigate these offers like a pro.
credit
Will Chase Report My Zero Balance Mid-Cycle If I Pay Early?
Discover how and when Chase reports your balance, and learn how to keep your credit utilization in check before applying for new credit.
credit
Does Downgrading Your Credit Card Reset Its Age When Applying for a Mortgage?
Learn how downgrading a credit card impacts your credit history and mortgage application with this friendly and informative guide.
credit
Should You Downgrade Your Credit Card Before Applying for a Mortgage?
Exploring the impact of downgrading your credit card on your mortgage application, including credit history and approval odds.
credit
Navigating the Authorized User Strategy for Your Kid's Credit
Adding your child as an authorized user on your credit card can boost their credit score, but it comes with risks if payments are missed. Is the potential payoff worth it?
credit
Choosing Your First Credit Card at 21
Navigate the world of credit cards with confidence as a recent grad. Discover the best options for building your credit and financial future.
credit
Why the Capital One Savor One is the Best Credit Card for New Grads
The Capital One Savor One card is a smart choice for new graduates, offering cashback on essentials and no foreign transaction fees—perfect for those starting their financial journey.
credit
Finding the Perfect Credit Card for Recent Finance Grads
Explore the best credit card options for recent finance graduates, focusing on low fees and flexible spending.
credit
Will Cancelling Your First Credit Card Haunt Your Credit History?
Exploring the impact of cancelling your first credit card, especially one with an annual fee, and how it relates to your long-term credit health.
credit
Should You Get a Credit Card with an Annual Fee for Perks
Exploring whether a credit card with an annual fee is worth it for students seeking travel perks and lounge access.
credit
Should I Stick with My $500 Limit Card or Upgrade Fast?
Explore the pros and cons of keeping a low-limit credit card versus upgrading to a higher limit, and learn how to build your credit wisely.
credit
When to Grab Your Next Credit Card After Your First
Wondering when to snag that second credit card? Let's dive into the timing and strategy behind building your credit card collection like a savvy shopper!
credit
Multiple Credit Cards or Just One: What's the Best Strategy for You?
Deciding between multiple credit cards or sticking to one or two with higher limits? Let's explore the pros and cons of each strategy to help you make the right choice.
credit
Downgrading Your Credit Card Without Dinging Your Score
Learn how to downgrade your premium credit card to a no-fee version without hurting your credit score.
credit
Understanding Credit Inquiries and How They Impact Your Score in Canada
Learn how credit inquiries work in Canada and discover the real impact they have on your credit score, especially when applying for credit cards and phone plans.
credit
Build Credit Now or Wait for a Job
Deciding between getting a secured credit card and waiting for employment can be tricky. Let's explore your options for building credit at 18 and how a secured card can be an excellent first step.
credit
Is Paying Your Credit Card Multiple Times a Month a Smart Move?
Discover whether paying your credit card weekly can boost your credit score or if monthly payments are enough.
credit
Can a Prepaid Visa Help Build Your Credit History
Discover whether a prepaid Visa can help you build credit in Canada, and learn about the best ways to start your credit journey.
credit
Is a Credit Card with an Annual Fee Worth It for Students
Exploring whether credit cards with annual fees and travel perks are a smart choice for students.
credit
Will Cancelling Your First Credit Card Haunt Your Credit Score?
Explore the impact of cancelling your first credit card and whether it will affect your credit history in the long run.
credit
Keep That Low Limit Card or Upgrade Fast
Deciding whether to stick with a low limit credit card or to upgrade can be tricky. Let's break down the pros and cons of both options to help you make the best choice for your financial journey.
credit
When Can You Level Up to Your Second Credit Card?
Wondering if you should wait to apply for your second credit card after getting your first? Here’s what you need to know about timing and strategy.
credit
Taking Charge of Finances Without Feeling Like a Fool
Navigating your finances can feel overwhelming, especially with debts looming large. Let’s break down the best steps to take, whether to prioritize debt or savings, in a friendly and approachable way.
credit
Navigating Sorority Debt and Credit Repair
Discover your options for handling unexpected sorority dues and repairing your credit in a smart and approachable way.
credit
Do You Need to Include Affirm and Afterpay in Your Consumer Proposal?
Wondering if those buy-now-pay-later services should be part of your consumer proposal? Let's break it down and make it as clear as your favorite blockbuster plot twist!
credit
Can You Really Get Sued for Not Paying Debt?
Wondering if your bank can take you to court over unpaid debts? Let’s break it down with some friendly advice and a sprinkle of pop culture wisdom.
credit
Credit Myths Unleashed to Boost Your Financial Health
Dive into the world of credit as we debunk common myths that may be holding you back from achieving pawsitive financial health. Let's separate fact from fiction and empower you with the knowledge to take control of your credit journey.
credit
Credit Collateral: Use Your Assets Wisely Without Barking Up the Wrong Tree
Discover how to leverage your assets as collateral in a smart, strategic way. This guide breaks down the essentials of credit collateral, helping you avoid common pitfalls while maximizing your financial potential.
credit
Mastering the Art of Debt Management: Strategies to Tame Your Financial Dragons
Feeling overwhelmed by debt? Fear not! This guide breaks down effective debt management strategies that can help you regain control of your finances and emerge victorious, just like your favorite heroes in epic tales.
credit
Mastering Your Debt: Strategies That Even Superman Would Envy
Debt may feel like a supervillain in your financial story, but with the right strategies, you can take control and emerge victorious. Let's explore effective debt management strategies that will have you feeling like a financial superhero in no time!
credit
Building Credit from Scratch: Your Guide to Becoming a Credit Superstar
Building credit from scratch might feel like trying to find your way through a maze without a map. But don’t worry! We’re here to turn that labyrinth into a fun adventure. Let’s break down the steps to establish your credit and unlock financial opportunities.
credit
Credit Score: Your Financial Report Card
Think of your credit score as the ultimate report card for your financial habits. Just like grades in school, a good credit score can open doors while a bad one can make you feel like you're stuck in detention.
credit
Credit Cards: Friend or Foe?
Dive into the world of credit cards and discover how they can be your best ally or your biggest nemesis. Learn the ins and outs of credit cards, how to use them wisely, and avoid potential pitfalls.