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Credit Card eZine - News and Articles about Credit Cards

Credit Card eZine - News and Articles about Credit Cards

Get even more information on credit cards? Read our Credit Card eZine. The section is regularly updated by our specialists. Learn all the financial tricks. Know the pitfalls and hidden bonuses. Find out how to transfer balances and accumulate points. We will tell you about the latest offers on the market.Get your credit card education and make the most out of your plastic.

Why You Never Need To Pay To See Your Credit Score Again

[December 1st, 2017]

If you’ve ever been curious what your credit score is, but not wanted to shell out a fee in order to see it, then get ready for good news. It’s easier than ever to see your credit score, and you don’t need to pay for it any longer.

It used to be that you could get a copy of your credit report for free once a year, from each of the three major credit bureaus: Experian, TransUnion, and Equifax. Still, that report would not include your actual credit score – the number from 300 to 850 that indicates how creditworthy you are, and which prospective lenders use to decide whether or not to extend you a line of credit or a loan.

Over the past few years, more and more credit card issuers and banks have begun giving customers free access to their credit scores, printing them on their monthly statements and making them available via their online account centers. This makes it easier than ever for folks to keep track of their credit scores and begin to improve them.

Building good credit

Credit scores are incredibly important, as they are used for everything from applying for an apartment lease to securing a mortgage or car loan. Credit card companies also look at your credit score when you apply for an account; if you have good credit, you’ll be eligible for a lower interest rate, as well as better rewards and lower fees.

Establishing good credit is a combination of making payments on time, keeping your debt level low, having a variety of types of credit in your name, maintaining a long credit history, and not applying for too much new credit at once. The most important factors are making payments on time, and having a good debt-to-available-credit ratio: each of those is worth 30-35 percent of your total credit score.

Another thing to keep in mind is that keeping credit accounts open for a long period of time will help boost your credit score. Avoid closing accounts, even if you’re not using them very often. These longstanding credit card accounts are good for your creditworthiness, so make a point of holding on to them.

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[January 31, 2018]
American Express cardholders going through New York’s JFK airport are in for a treat in 2019. The credit card giant has announced that they will open the largest-yet location of their Centurion Lounge series of luxury airport lounges at JFK’s Terminal 4. This is one of the busiest airport termin...
[January 11, 2018]
The Consumer Financial Protection Bureau (CFPB) recently released its biennial in-depth report on the state of credit in the United States. The report sheds light on many aspects of the credit card industry, including how many people are using online services to access their accounts, how many credi...
[December 14, 2017]
The holiday season is a busy time for retailers and consumers alike—and, unfortunately, also for fraudsters. Identity theft and payment fraud abound at all times of the year, but especially during peak spending times such as this.

However, a survey from Discover indicates that fears about ident...

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