Credit Help and Tips

Master your credit card and credit score, all in one convenient place.

Why Aren’t Credit Cards Instantly Approved?

Why Aren’t Credit Cards Instantly Approved?
July 28, 2016

It seems everyone wants things instantly, including approval for their newly applied for credit cards. But we aren’t always told right away if we’ve been approved or not, even if it’s a so-called pre-approved offer. While it’s frustrating not to ... Read More »

Pre-Approved Credit Card Offers Are Utter Nonsense

Pre-Approved Credit Card Offers Are Utter Nonsense
May 26, 2016

So you got a letter in the mail saying you were “pre-approved for a credit card.” Or an e-mail inviting you to apply for the latest credit card. You jump at the chance to get approved for a credit card ... Read More »

How to Get Your Credit Card Annual Fee Refunded

How to Get Your Credit Card Annual Fee Refunded
May 17, 2016

There are plenty of folks out there who are down on credit cards, and even more who are down on credit cards with annual fees, for obvious reasons. But one perhaps lesser known fact about credit card annual fees is ... Read More »

How to Increase Your Discover Credit Limit in 30 Seconds

How to Increase Your Discover Credit Limit in 30 Seconds
May 9, 2016

Discover is quickly becoming the most beloved credit card issuer out there because they’re so customer friendly. The ability to redeem any amount of cash back is awesome and unmatched! However, they also tend to be one of the most ... Read More »

How to Find Hidden Citi Credit Card Cash Back Offers

How to Find Hidden Citi Credit Card Cash Back Offers
April 19, 2016

So Citi finally started offering cash back deals with select merchants you may visit, but they sure aren’t making them easy to find. For example, those with an American Express card know where to find Amex Offers. They’re right there ... Read More »

I Netted About $1,600 with Discover and Apple Pay

I Netted About $1,600 with Discover and Apple Pay
February 8, 2016

When the Apple Pay and Discover promotion first surfaced I got super excited. It was a chance to earn 23% cash back on virtually all shopping for a limited time. If you don’t remember or happened to miss it, the ... Read More »

Can You Can Add Someone as an Authorized User Who Already Has the Same Credit Card?

Can You Can Add Someone as an Authorized User Who Already Has the Same Credit Card?
February 2, 2016

There are a variety of reasons why a credit cardholder would want to add an authorized user. For some, it’s a means to a better credit score thanks to the piggybacking that takes place if the person authorizing the user ... Read More »

How to Get an Amex Credit Card Without a FICO Score

How to Get an Amex Credit Card Without a FICO Score
January 21, 2016

If you know anything about American Express, you know they require excellent credit to get approved for their credit and charge cards. They are perceived as a top-tier credit card issuer so only the best applicants can typically apply and ... Read More »

Please Don’t Get an Alumni Credit Card

Please Don’t Get an Alumni Credit Card
December 16, 2015

Go State! Sure, maybe while you’re attending university and watching their football games on the weekend. But when it comes to your precious financials, you might want to keep them out of your wallet for good. Don’t be fooled. When ... Read More »

Is There a Limit to How Many Credit Cards You Can Get Approved For?

Is There a Limit to How Many Credit Cards You Can Get Approved For?
December 7, 2015

Some more credit card Q&A, this time concerning the number of credit cards you can apply for in a certain period of time (and hold) successfully. This question certainly depends on the card issuer, but some new rules are preventing ... Read More »