How to Calculate Your Credit Score
sYour credit score is a critical piece to your personal financial puzzle. It helps determine your creditworthiness and what terms you qualify for on new credit and loans. Your 3-digit credit score ranges from a low of 300 to a high of 850. The higher your score, the more likely lenders will offer you their […]Read More
What Are Credit Card Hardship Programs?
Struggling with credit card debt is frustrating enough. But when you add in a stressful life event such as job loss, serious illness or a natural disaster, trying to pay those bills every month can become overwhelming. That’s where a credit card hardship plan may be able to help. Sometimes called assistance programs or hardship […]Read More
Do’s and Don’ts of Negotiating Credit Card Interest Rates
Credit card interest rates aren’t etched in stone. In order to retain business, creditors may lower the interest rates of responsible credit card holders who make the effort to ask. A 20-minute phone call could help you drop a few percentage points, but many often wonder: is it worth it? Let’s take a […]Read More