The Platinum Card® from American Express is designed for those who appreciate a touch of luxury and travel perks. It does come with a significant $450 annual fee, but the benefits are noteworthy. For starters, there’s no interest rate since you need to pay off your balance in full every month. You earn at least…
There are tons of rewards credit cards out there, each with different benefits, reward rates, and rules on how you can earn or redeem those rewards. Picking the right one is crucial because you don’t want to miss out on benefits or extra cash. Here are our top 10 rewards cards. 1. **Chase Sapphire Preferred…
A Home Equity Line of Credit (HELOC) lets homeowners borrow against the equity in their home, acting like a credit line. It’s similar to a second mortgage, with the primary mortgage taking priority. Another option for homeowners is a Home Equity Loan, which provides a lump sum using their home equity as collateral. Both options…
If you’re behind on your bills or wrongly labeled as such by a creditor, a debt collector might contact you. The Federal Trade Commission (FTC), which protects consumers in the U.S., enforces the Fair Debt Collection Practices Act. This law ensures debt collectors can’t use abusive, unfair, or deceptive methods to collect debts. A debt…
A Home Equity Line of Credit (HELOC) lets homeowners borrow against the equity in their property, similar to taking out a second mortgage. Unlike a standard mortgage, though, a HELOC acts like a credit card, giving you access to a revolving line of credit based on your home’s value. If you’re debating between a HELOC…
Choosing the right rewards credit card can feel overwhelming with so many options available. Each card offers different reward rates, types of rewards, and rules for earning and redeeming them. Picking the wrong card could mean missing out on valuable benefits or cash back. To help you out, here are the top 10 rewards cards…
Payday loans have had a pretty bad rap over the years. This led the Financial Conduct Authority (FCA) to tighten its rules in April 2014, followed by more regulations from the government in January 2015. These steps aim to bring more clarity to how payday loan companies operate. Such oversight is critical since the industry…
Stepping into adult life means gaining financial skills, and understanding how to use credit cards is a big part of that. Credit cards can really boost your financial health by helping to build a solid credit score, which is essential when you’re looking to buy a home, purchase a car, or even rent an apartment….
A Home Equity Line of Credit (HELOC) lets homeowners use their home equity as collateral for a line of credit, much like a second mortgage. This is separate from your main mortgage. Have you ever wondered whether to choose a HELOC or a home equity loan? A Home Equity Loan, on the other hand, allows…
Navigating rewards credit cards can be tricky because of their diverse offerings. They differ in how they earn rewards, the type of rewards, and their specific terms. Overlooking the best options could mean missing out on significant perks and rewards. Here’s a list of the top 10 rewards cards and their pros and cons. **Chase…