Category: Credit Cards
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New Credit Card Rules in 2025: What Higher Late Fees and Swipe Fee Changes Mean for You
In 2025, the credit card landscape is shifting again — and not necessarily in consumers’ favor. Two major regulatory developments are grabbing national attention: the rollback of the $8 late fee cap and renewed debates around swipe fees, which affect both credit card users and small businesses. Here’s what’s changing, what it means for your…
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Should You Use a HELOC to Pay Off Credit Card Debt in 2025? A Detailed Guide
With inflation squeezing household budgets and credit card APRs soaring beyond 20%, many homeowners are eyeing a Home Equity Line of Credit (HELOC) as a lifeline. The appeal? Lower interest rates, flexible access to cash, and potential long-term savings. But turning unsecured debt into debt tied to your home comes with serious trade-offs. This guide…
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Major Credit Card Changes in June 2025: What You Need to Know
As of June 2025, credit card issuers and banks are making a series of updates that could impact your wallet. From changing cash back rates to new fees, reward program cuts, and legislative threats to travel perks — there’s a lot happening. If you rely on your credit cards for rewards, everyday spending, or travel…
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Credit Card Delinquencies Are Rising in 2025 — Here’s What It Means and How to Protect Yourself
Americans across all income levels are falling behind on their credit card payments — and the numbers are climbing fast. According to recent data from the Federal Reserve Bank of St. Louis, credit card delinquencies are on the rise in 2025, reaching levels not seen since the 2008 financial crisis. Whether you’re managing student loans,…
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How to Build an Emergency Fund — Even If You’re Living Paycheck to Paycheck
If you’ve ever had a medical bill hit your account out of nowhere… or your car suddenly broke down before payday… you already know why an emergency fund matters. But when you’re living paycheck to paycheck, the idea of setting aside money can feel impossible. The good news? You don’t need thousands overnight. You just…
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Best Credit Cards for National and International Travel (2025)
Whether you’re hopping on a quick domestic flight or planning an international getaway, the right credit card can save you money, give you perks, and protect you while you travel. Here are some of the best credit cards for both U.S. and global travelers right now: 1. Chase Sapphire Preferred® Card Best for: All-around travel…
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How to Request a Credit Limit Increase — And What It Means for Your Score
A credit limit increase can feel like a reward — more spending power, lower credit utilization, and sometimes even a bump in your credit score. But before you ask your card issuer for a higher limit, it’s important to understand how it works and what the potential impacts are. Here’s what you need to know.…
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What Is a Secured Credit Card and Is It Worth Getting?
If you’re trying to build credit from scratch or repair past mistakes, you may have seen secured credit cards come up as a first step. But what exactly are they — and are they actually worth getting?This post breaks down how secured credit cards work, their benefits and drawbacks, and why they can be a…
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What Is Buy Now, Pay Later (BNPL) and Should You Use It?
You’ve probably seen it when shopping online — a tempting little button at checkout that says “Buy Now, Pay Later” or “Pay in 4.” With just a few clicks, you can get what you want now and pay for it over time — often with no interest. This payment method is called Buy Now, Pay…
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I Just Lost My Job and Can’t Pay My Credit Card or Car Loan — What Should I Do?
Losing your job is a life-altering moment. The paychecks stop, but the bills don’t. Credit card payments, car loans, rent, groceries, utilities — it all keeps coming. If you’re here because you’ve lost your income and you’re wondering how to handle your financial obligations, especially your credit card or car payments, you’re not alone. This…
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Should You Get the Apple Card? What to Know Before You Apply
The Apple Card has gained popularity for its sleek design, instant iPhone integration, and no-fee promise — but is it actually a good credit card? Whether you’re building credit or looking for a new daily driver, here’s what you should know before applying. What Is the Apple Card? The Apple Card is a credit card…
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Unauthorized Charges on Your Credit Card? Here’s Exactly What to Do
Spotting a strange charge on your credit card statement can be alarming — and unfortunately, credit card fraud is more common than ever. Whether it’s a $500 charge you don’t recognize or a $2 subscription you never signed up for, don’t ignore it. Acting quickly not only helps protect your money, but it also minimizes…