How Can Applying for a Credit Card Affect Your Credit Score?

Getting a new credit card can be exciting, but it’s important not to get carried away. Having too many credit cards can lead to things like multiple card inquiries and falling into debt, which can directly impact your credit score. This is why you need to find the...

What Happens If You Don’t Use Your Credit Card?

Credit cards can be a useful financial tool, making it easy to make purchases and help your credit. But, what happens if you don't use your credit card for a long time? In this blog, we explore what can happen if you don’t use your credit card and provide tips to help...

Cash Stuffing: The New Way to Save and Budget Your Money

Cash stuffing is a new trend that is quickly gaining popularity. It is a simple and effective way to save and budget your money. And it can help you to stay on track with your financial goals. What is Cash Stuffing? Cash stuffing is a budgeting method where you...

How Do You Build Credit in the Military?

May is Military Appreciation Month, a time to honor the contributions of our military members. Managing finances and building their credit can be challenging for those serving in the military, especially when they are deployed and gave to spend a significant amount of...

What Are the Basic Types of Credit Cards?

There are many credit cards to choose from, which might be overwhelming. To select the right one for you, it's crucial to understand the different types available. This blog reviews four basic types of credit cards, each with its unique features and benefits....

What Is Soft Savings? The New Trend You Should Know

In recent years, there has been a growing trend of "soft saving." This refers to a less restrictive and more flexible method of saving money than traditional methods, such as setting up a savings account or investing in stocks or bonds. There are several reasons why...

Why It’s Important to Create a Budget as a College Student

Most college students simply can’t afford to ignore the importance of budgeting their money while working toward an education. Expenses such as tuition, room and board, monthly utility bills, books, food, and transportation costs can quickly add up and become...

Financial Literacy Month: Tips to Build Credit Fast and Effectively

April is Financial Literacy Month. It’s a great time to work on your financial health and improve your credit score. Here is more information on Financial Literacy Month along with some simple steps to take to raise your credit scores. What is Financial Literacy...

What Is a Charge-Off and What Does It Mean for Your Credit?

If you're trying to understand how credit works, you might have come across the term "charge-off." A charge-off is an important concept to understand because it can significantly impact your credit score and financial health. In this blog, we explain a charge-off, how...

Why Do You Need to Check All Three Credit Reports?

If you haven't noticed, your credit report includes your credit card accounts, loans, payment history and more. Collectively this information determines your credit scores. It’s important to know what is in your credit history to ensure the information is fair and...

Recent Articles

How Can Applying for a Credit Card Affect Your Credit Score?

How Can Applying for a Credit Card Affect Your Credit Score?

Getting a new credit card can be exciting, but it’s important not to get carried away. Having too many credit cards can lead to things like multiple card inquiries and falling into debt, which can directly impact your credit score. This is why you need to find the right balance to help you manage your credit wisely to avoid these potential risks. In this article, we explore factors you should consider when determining how often to apply for a...

read more
What Happens If You Don’t Use Your Credit Card?

What Happens If You Don’t Use Your Credit Card?

Credit cards can be a useful financial tool, making it easy to make purchases and help your credit. But, what happens if you don't use your credit card for a long time? In this blog, we explore what can happen if you don’t use your credit card and provide tips to help keep your account active and in good standing. We also discuss how neglecting your credit card can negatively impact your credit score, lead to fees and penalties, and even result...

read more
Cash Stuffing: The New Way to Save and Budget Your Money

Cash Stuffing: The New Way to Save and Budget Your Money

Cash stuffing is a new trend that is quickly gaining popularity. It is a simple and effective way to save and budget your money. And it can help you to stay on track with your financial goals. What is Cash Stuffing? Cash stuffing is a budgeting method where you physically take cash out of your bank account each month and divide it  into envelopes with each  labeled for a different expense. For example, you might have an envelope for rent, one...

read more
How Do You Build Credit in the Military?

How Do You Build Credit in the Military?

May is Military Appreciation Month, a time to honor the contributions of our military members. Managing finances and building their credit can be challenging for those serving in the military, especially when they are deployed and gave to spend a significant amount of time away from home. Here are tips on how to help improve your credit during your military service so that you can establish a solid financial foundation for the future....

read more
What Are the Basic Types of Credit Cards?

What Are the Basic Types of Credit Cards?

There are many credit cards to choose from, which might be overwhelming. To select the right one for you, it's crucial to understand the different types available. This blog reviews four basic types of credit cards, each with its unique features and benefits. https://www.youtube.com/shorts/xs6z42kBpLU Four Basic Types of Credit Cards Reward Credit Cards Rewards credit cards let you earn free rewards every time you use your card for eligible...

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What Is Soft Savings? The New Trend You Should Know

What Is Soft Savings? The New Trend You Should Know

In recent years, there has been a growing trend of "soft saving." This refers to a less restrictive and more flexible method of saving money than traditional methods, such as setting up a savings account or investing in stocks or bonds. There are several reasons why soft saving has become so popular. One reason is that it is more accessible than traditional methods. With soft savings, you can save money without making a large initial savings...

read more
Why It’s Important to Create a Budget as a College Student

Why It’s Important to Create a Budget as a College Student

Most college students simply can’t afford to ignore the importance of budgeting their money while working toward an education. Expenses such as tuition, room and board, monthly utility bills, books, food, and transportation costs can quickly add up and become impossible to manage when you aren’t carefully monitoring your finances. By budgeting your money as a college student, you can help ensure  you have sufficient funds to cover your costs...

read more
Financial Literacy Month: Tips to Build Credit Fast and Effectively

Financial Literacy Month: Tips to Build Credit Fast and Effectively

April is Financial Literacy Month. It’s a great time to work on your financial health and improve your credit score. Here is more information on Financial Literacy Month along with some simple steps to take to raise your credit scores. What is Financial Literacy Month? Financial Literacy Month is a yearly event held in April that promotes the importance of financial education. The awareness month aims to teach people how to manage their money...

read more
What Is a Charge-Off and What Does It Mean for Your Credit?

What Is a Charge-Off and What Does It Mean for Your Credit?

If you're trying to understand how credit works, you might have come across the term "charge-off." A charge-off is an important concept to understand because it can significantly impact your credit score and financial health. In this blog, we explain a charge-off, how it happens, and what it means for your credit. What is a Charge-Off? A charge-off is a term used in the credit industry to describe an account declared uncollectible by a lender....

read more
Why Do You Need to Check All Three Credit Reports?

Why Do You Need to Check All Three Credit Reports?

If you haven't noticed, your credit report includes your credit card accounts, loans, payment history and more. Collectively this information determines your credit scores. It’s important to know what is in your credit history to ensure the information is fair and accurate, stay on top of your credit score, look for ways to help your credit and watch out for fraudulent activity. But keeping an eye on one  credit score with a single credit...

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