Category Archives: Credit Cards

How to use a HELOC?

A home equity line of credit (HELOC) is a great low-interest loan that you can easily take out if you have equity in your home. While HELOCs are great options, they are also risky loans. You want to use your HELOC on things that will give you a positive investment return. HELOCs can be high [&hellip...
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Is Credit Card churning right from you?

Credit Card churning is when people take out a new credit card just for the sign up offer. Some people will take out multiple cards at once, while others take out one at a time. Credit card churning isn’t for everyone, especially if you have credit card debt, are trying to improve your score, or [...
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How to Avoid Debt while Holiday Shopping

The majority of Americans do not set out intending on spending more than the previous year’s holiday season – although that doesn’t mean that they won’t go into debt. A recent survey found that the average parent with children under 18 plan to spend a budget of around $300 on holiday gif...
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Black Opal: The Card Designed with Expats in Mind

According to AAA,more than 20 million travelers criss-crossed the friendly skies and roads on Thanksgiving weekend. However for international travelers the numbers were likely twice as high. Impacted by inflation costs, the rise of the digital nomad, and the ability to work from anywhere, many peopl...
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Is it OK to Have More than One Credit Card?

Your favorite stores offer credit cards, national companies offer enticing perks and credit cards can be used just about anywhere. So, how many should you really have? While there’s no magic number, here are a few things to consider before you add another card to your wallet. Image via Unsplash/Au...
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When Credit Card Billing Errors Occur

Do you review your credit card statement every month? If not, you should consider starting. That’s because it’s really the only way you can catch a billing error and avoid paying a mistaken charge. Billing errors happen more often than you might think, and they are best handled immediately. Read...
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Is it Okay to Have More than One Credit Card?

It’s easy to fill up your wallet with credit cards, what with all your favorite stores and airlines offering cards with great perks. However, is it wise to have more than one? Read on to learn how many credit cards you should have – and what to do if you have too many. Image via […]...
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Should High School and College Students Have Personal Credit Cards?

Credit card debt is rampant across America, and many people fall into a cycle of debt that is never-ending. Young people with less financial experience and know-how may be at higher risk, which begs the question: should high school and college students have credit cards? Click through to learn the p...
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How Many Credit Cards Should You Have?

Your favorite stores offer credit cards, national companies offer enticing perks and credit cards can be used just about anywhere. So, how many should you really have? While there’s no magic number, here are a few things to consider before you add another card to your wallet. Image via Unsplash/Dy...
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