Small business owners often tend to mix up their personal and business finances; however, it is essential to keep these separate. One way to keep the distinction between personal and business expenditures is to use a separate credit card for your business. Another benefit of using business credit cards is that you can gain from…

Most consumers prefer to have multiple credit cards – either to take advantage of the various rewards different cards offer or to benefit from the combined credit limits. However, managing multiple cards can be a task. You must make sure that all payments are made on time and that you don’t fall into debt or…

Who doesn’t love earning cash back, or accumulating reward points and travel miles with just a swipe of the credit card? These rewards are among the primary reason that consumers prefer to pay for purchases using credit cards. However, reward points and travel miles have one catch – they often expire before you can get…

Have you heard of tradelines? Whatever credit account you have on your credit report – be it a revolving account or an installment account – it is addressed as a tradeline by credit reporting agencies. Each time a new credit account is opened, a new tradeline is created on your credit report. If an account…

67 million Americans expect that they will have trouble paying their credit card bills due to the effects of the coronavirus crisis. Given the current circumstances, most credit card issuers are trying to offer assistance to their customers. This help may or not be advertised by the companies – so if you are facing difficulties…

If you require a certain medical treatment and are unable to foot the bill, your medical service provider may ask you to sign up for a medical credit card. Medical credit cards are issued by medical service providers. However, they are unlike normal credit cards in the sense that they cannot be used anywhere other…

Online shopping has become an essential part of life for most of us. However, with increased convenience of online shopping comes increased risks – your credit and debit card information may be stolen by hackers who could use those details to make unauthorized transactions – or they may sell them on the dark web. To…

These days, more and more people are using digital wallets such as Google Pay and Apple Pay when making in-store purchases. While credit cards negate the need of carrying wads of cash wherever you go, digital wallets do away with the need to carry around multiple credit cards in your pocket. This is because you…

If you are charged a fee for making payments with your credit card, you may have wondered whether the practice is legal. The answer to this question is yes. Since January 2013, merchants have been given the right to charge “checkout” fees for credit card transactions. This fee is also known as a surcharge. When…

We all use credit cards, not just to avoid the hassle of carrying about physical cash, but also to take out temporary loans or perhaps to maximize benefits in the form of reward points, travel miles, and cashback. This entire exercise is rendered much easier if we understand and remember the following important dates associated…