What Credit Score Do You Need to Get a Credit Card?

A frequently asked question in the consumer credit realm tends to be, “what credit score do you need to get a credit card?” Unfortunately, the answer to this question isn’t one simple three-digit number, but rather a variable answer dependent on a number of factors. Though a numerical credit score is used in the decisioning… Continue reading What Credit Score Do You Need to Get a Credit Card?

Is ID Required for a Credit Card Purchase?

Credit card Q&A: “Is ID required for a credit card purchase?” Credit card rules are often gray, what with the fact that multiple companies are operating in the same space. Then you’ve got the merchants’ own rules, which sometimes don’t coincide with the terms of Visa, MasterCard, or American Express, whether they are contractually acceptable… Continue reading Is ID Required for a Credit Card Purchase?

The Credit Score Black Market: Buying and Selling Trade Lines

You may have heard about companies that sell the credit history of others to consumers who have poor or limited credit. It’s referred to as “buying credit”, “renting credit”, or “adding seasoned tradelines”. These credit brokers target real estate professionals who desperately need to find qualified homebuyers, especially in today’s market where heightened credit standards… Continue reading The Credit Score Black Market: Buying and Selling Trade Lines