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7 FAQs: The Different Types of Credit Cards & Which to Carry (April 2024)

By: Brittney Mayer, 4/18/2024

The types of credit cards available are vast and diverse. When I first discovered the world of credit cards, I was amazed at the breadth of the selection offered to consumers. Even today, after years of exploring the farthest reaches of credit cards and personal finance, I still occasionally come across an awesome card I never knew existed. While experienced cardholders and rewards churners may revel in the abundance and diversity of credit card types available to them, a novice to... read more »

9 Best Credit Cards for Students With No Income (April 2024)

By: Brittney Mayer, 4/18/2024

As exciting a time as college can be, it can also be a stressful one, and not simply due to the exams. Part of what makes college a less-than-carefree experience is that the average college student is typically broke. Indeed, without any real skills — that's what you're in college to learn, after all — the income opportunities for a college student aren't exactly lucrative. And a lack of income can be a pain for more than just the obvious reasons (like a diet of nothing but mac... read more »

9 Credit Cards that Use Equifax Credit Reports (April 2024)

By: Brittney Mayer, 4/18/2024

In this article, we'll take a look at a selection of credit cards that use Equifax credit report data to help determine your chances of approval, interest rate, credit limit, and other factors. Browsing the newspaper rack in any given city, a few things are likely to stand out. In particular, although the major headlines are often similar from front page to front page, many will have broadly different stories filling in the margins. This gives the impression that, while they're all... read more »

Which Credit Cards Use TransUnion for Approval? (April 2024)

By: Brittney Mayer, 4/16/2024

As the mother of four children, my aunt had to make peace with the idea that she couldn't stay on top of every child every minute. Instead of trying to maintain constant vigilance — which would have been impossible (and exhausting) — she often relied on her children to report the important things to her (which they typically did at the top of their little lungs). Like my aunt, the consumer credit bureaus have too many people to keep track of to spend time seeking out information... read more »

How to Get a Credit Card in 6 Easy Steps (April 2024)

By: Brittney Mayer, 4/18/2024

If you're new to the world of credit and are just beginning to establish a credit history, a major step in this process is learning how to get a credit card. Despite the importance of personal finance skills, the majority of us simply don’t have the necessary knowledge to make informed financial decisions. In fact, of the over 17,000 people to take the National Financial Literacy Test, a meager 48% of participants received a passing score. Among the many topics about which we're... read more »

7 Credit Card Requirements & Minimums to Apply (April 2024)

By: Brittney Mayer, 4/18/2024

Although not quite 70 years old, the credit card has quickly become a fixture of American consumer finance, which means there are a handful of common credit card requirements consumers may come across. The U.S. today is home to more than 350 million credit cards. To put that number in perspective, consider the fact that, with a population of approximately 326.6 million people, the U.S. officially has more credit cards than people. More surprising than the sheer number of cards may be... read more »

7 Best First Credit Cards, No Credit Needed (Feb. 2024)

By: Lauren Keys, 1/25/2024

The first revolving credit card, the direct predecessor of today's consumer cards, was the BankAmericard credit card, issued in 1958 by Bank of America to 60,000 unsuspecting citizens in Fresno, California. Of course, since its popularization almost 60 years ago, the credit card has become a personal finance staple for millions of Americans. In fact, the U.S. market is currently home to nearly 2 billion credit cards, and the average American picks up their first credit cards by the... read more »

Credit Card Applications: 5 Most Popular Cards (April 2024)

By: Brittney Mayer, 4/18/2024

Before the rise of the internet, submitting credit card applications was a laborious process. Your choices were often limited to the mail or the bank, which essentially came down to choosing between filling out a long, tedious form -- or enduring a long, tedious interview. While modern credit card applicants can still choose to honor their ancestors by using the mail-in form -- or practice the art of small talk with their local teller -- today's credit seeker has an even better... read more »

How to Check PREMIER Bankcard Application Status (April 2024)

By: Brittney Mayer, 4/18/2024

With advanced algorithms hard at work behind the scenes of every bank and credit card issuer, the average credit card application takes only about 60 seconds to get a response. But when you're dealing with poor credit, that 60 seconds can feel like 60 minutes as you wait to see whether you'll be approved. While you can improve your approval chances by applying for an easy-to-get credit card from an issuer that specializes in subprime credit products, such as PREMIER Bankcard, that... read more »

How to Check Your Discover Application Status + 7 Best Cards

By: Eric Bank, 1/27/2024

Discover issues several types of credit cards, and applying for a Discover credit card — and knowing your Discover application status — couldn’t be simpler. The Discover it® Cash Back card is one of our most sought-after offers and stands out from the competition because of its year-end bonus and many consumer-friendly features. This card lets you redeem your rewards for cash whenever you want, in any amount, and the cash-back percentage on quarterly rotating categories is one... read more »

2 Ways to Check Your Credit One® Application Status (Online & Phone)

By: Brittney Mayer, 4/18/2024

In a world that's gone digital, it's becoming harder to go through day-to-day life without a credit card. If you have less-than-stellar credit, though, finding an issuer willing to take on the risk can be difficult. Credit One Bank specializes in poor credit, or subprime, borrowers, and serves more than 7 million cardholders nationwide. If you've recently submitted an application, keep reading for how to check your Credit One application status. Even with the knowledge that you are... read more »

How to Check Your Capital One® Application Status + 12 Denial Options

By: Brittney Mayer, 4/18/2024

One of the five largest card issuers in the world, Capital One is likely most recognizable by its longtime tagline, "What's in your wallet?" For those who have recently applied for a Capital One credit card but did not receive an immediate decision, this article will bring you up to speed on how to check your Capital One application status. Capital One has made its mark on the credit card rewards space with its blackout-free travel rewards program and is changing the way we bank... read more »

2 Ways to Check Chase Credit Card Application Status (April 2024)

By: Mike Randall, 4/18/2024

With all of the credit card choices offered by Chase, it’s no wonder they are one of the largest issuers of business and personal credit cards in the country. The family of popular Chase cards includes Chase Freedom, Chase Slate, and the prestigious Chase Sapphire card in both Preferred and Reserve versions. Of course, there are also many co-branded and specialty reward cards issued by Chase. If you’ve applied for a Chase credit card online, approval is usually instantaneous.... read more »

Discover Card: Credit Score Needed & 5 Best Cards (Feb. 2024)

By: Brittney Mayer, 1/25/2024

If you're in the market for a new Discover card, credit score will be a crucial factor in determining which one you may qualify for. But the well-established issuer has a card for every credit score. Finding the right credit card in the sea of options can be as difficult as finding a specific fish in the ocean, and without the fun Finding Nemo hijinks. In fact, with so many cards on the market seeming to offer the same rewards, it can feel more like finding Nemo -- in a tank of... read more »

GM BuyPower Business CardTM from Capital One® Review: Benefits, Rewards & Application

By: Brittney Mayer, 1/25/2024

Every time I see a commercial for a new car, I can't help but cringe a little when the price comes on the screen; I've paid less in rent than some of these cars would cost to own for a month. However, despite the rising costs of ownership, having a vehicle is as much a need as a want for many people, especially in areas where good public transportation isn't an option. To make buying a new car more affordable, some small business owners are turning to the GM BuyPower Business CardTM... read more »

How to Apply for a Credit Card Online: 4 Easy Steps (April 2024)

By: Lauren Keys, 4/16/2024

I was in college when I first realized the importance of establishing a credit history, and I began to explore how to apply for a credit card online. At the time, there weren't as many guides and resources around like there are today. So I took to my laptop to peruse numerous applications and read the fine print on card offerings. I selected a card that seemed suitable for someone with a limited credit history and waited. It wasn’t until I finally saw my name printed along the... read more »

What is GetChaseFreedom.com? 3 Tips for Your Invitation (Feb. 2024)

By: Adam West, 1/24/2024

As a Chase Freedom Flex℠ owner, I can vouch for how great its rotating bonus cash back categories can be for savings. Each quarter of the year becomes a great time to save on things you already spend money on, like gas, groceries, dining out, and holiday shopping. If you’re reading this article, the odds are high that you’ve already received a GetChaseFreedom.com invitation in your inbox or mailbox. Congratulations, because this means your credit score is in good shape. The... read more »

First Savings Credit Card: Login, Application & 5 Similar Cards (Feb. 2024)

By: Toby Sembower, 1/24/2024

If you have a poor credit history, you may have received an invitation in the mail to apply for the First Savings Credit Card by MasterCard®. Designed specifically for subprime applicants, this card has a fast-growing base of cardholders who lack the credit history to apply with prime issuers like Chase. Consumers who have made some credit mistakes in the past can use these types of cards as a component to help rebuild their credit and hopefully move from subprime to prime territory. ... read more »

Walmart Credit Card: Bad Credit OK? (April 2024)

By: Toby Sembower, 4/18/2024

Walmart is world-famous for its deep discounts on everything from bath soaps to bicycles, making it one of the nation's most popular stores for credit card users. The discount retailer is also known for promoting its own Walmart-brand credit card to its shoppers, which leads many potential applicants to ask the question: "Will Walmart approve me if I have bad credit?" The answer, most likely, is no. While there are a handful of reports from those with credit scores in the 600... read more »

6 Tips: How to Increase Chase Credit Limit (April 2024)

By: Ashley Fricker, 4/5/2024

JPMorgan Chase & Co., known simply as Chase, is one of the most popular major credit card issuers in the world, thanks in no small part to its diverse offering of rewards credit cards. And as a credit card user, increasing your credit limit can potentially deliver positive results to your credit report as your credit utilization ratio decreases. Keep reading for tips to increase your credit limit. Chase provides a couple of options to request a credit limit, which are detailed... read more »

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