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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.

[February 13th, 2020]

Valentine’s Day is undeniably the most romantic holiday of the year. Even though there are a lot of people deeply convinced that it is a holiday invented by greeting card companies, even more people keep consuming heaps of money each year to please their significant other, relatives and friends…

[November 22nd, 2019]

Once you accept a request from your partner, relative or friend with poor credit to become their co-signer on a credit card or personal loan, you make a serious decision. From now on, you bear full responsibility for the money they borrow from the creditor. This means it’s you…

[August 30th, 2019]

When you open a credit card, the issuer starts to monthly send you billing statements in mail or make it available to view online if you sign up for paperless billing. Such bills typically not only include the amount of your purchases from the previous month but also indicate…

[June 7th, 2019]

What is a Credit Inquiry?

Fair Isaac Corporation or FICO, well-known for its FICO® Score – a credit risk score model, defines a credit inquiry as a “request by a “legitimate business” to check your credit.” That means that when a potential creditor wants to check…

[March 27th, 2019]

Once you realize you are an inveterate traveler or are just thinking about becoming one, without a doubt you should also start thinking about getting a travel credit card. Travel credit cards can become a good investment, especially if they have lower or 0% rates and a large…

[December 19th, 2018]

When the holiday season rolls around, many of us start looking at our shopping lists with a combination of excitement and dread. These mixed emotions may be chalked up to our love of giving the perfect gifts to family and friends, and our fear of racking up credit card…

[October 19th, 2018]

You may not spend too much time worrying about your credit history. After all, we’ve got enough to think about these days. Between going to work, getting enough sleep and exercise, keeping up with the news, and maintaining your relationships with family and friends, who has time to focus…

[August 22nd, 2018]

You probably already know the basics of keeping your personal data safe from scammers. But credit card fraudsters are getting more sophisticated all the time, according to security experts. Practical measures like keeping your PIN private, avoiding public Wi-Fi, shredding statements before throwing them away, and not clicking on…

[June 23rd, 2018]

Most of us know that having good credit is important. But there is plenty of misinformation out there about exactly why it’s so important. Here are four things you may not know about credit score.

1. You don’t start out with good credit. You might assume that if you’re starting…

[April 24th, 2018]

Many Americans are struggling to pay off debts, whether they owe on student loans, medical bills, or credit card balances. If you’re one of the millions that have credit card debt, you’ll want to read this guide to paying off your debts quickly without paying any interest.

The first…

Last Immediate

Hi, what if I am discharged from bankruptcy, what credit card will help me rebuild my credit back without any annual fees?


As you are discharged from bankruptcy it is worth checking your credit history and credit score. Read carefully your credit report and if there are some inaccuracies try to clean them up.
Don’t apply for a credit card right away as you are discharged, wait 1-2 years. If you are not patient enough you most possibly will be denied.
Now, if you've waited enough and did all cleaning ups you can shop for a credit card. You may apply for a secured credit card or general, unsecured, credit card. Secured credit cards require collateral in form of a security deposit. Except this security deposit, secured credit card acts as an unsecured one.
Unsecured credit cards do not require any security deposit so you don’t need to pay to get this card (except some possible fees like setup fee).
As you are lived through a bankruptcy and waited long enough, consider the credit cards for limited/no credit. Pay a closer attention to the credit reporting. Your goal is to rebuild your credit so this should be mentioned in credit card description. If to find a card that helps you rebuild your credit is quite easy, to find a card with no annual fee is the other thing. In your case it will be hard to find a card with no annual fee, instead try to concentrate on minimum payments.  Commonly the credit cards for people with ruined credit history have high interest rates and fees, and the limits don’t please too. However, they may have some rewards or bonus programs so do some calculations before you apply.

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[September 29, 2021]
It has long been extremely difficult to be approved for a credit card, even a secured credit card, with no credit score. While some credit card issuers allow co-signers, many major issuers do not.

Going forward, you may no longer need a credit score to qualify for a credit card. JPMorgan Chase, U...

[May 20, 2020]
Bankrate has recently conducted a survey of U.S. consumers’ payment habits amid the coronavirus. According to it, the number of Americans paying for grocery purchases with credit cards increased significantly in April and reached 46%. For comparison, this amount in December 2019 was just 27%. On t...
[May 13, 2020]
The coronavirus pandemic has caused significant damage to the economy of the country and the whole world. No wonder that spending habits of Americans have also undergone some changes.

For example, since the borders of many countries has been closed for an indefinite period thereby making all kind...

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