Tag: credit cards

How Can You Get Credit for Paying Rent? | Credit Cards
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How Can You Get Credit for Paying Rent? | Credit Cards

Credit bureaus don't automatically collect information about rent payments but will include this data on your credit reports if they receive it. And if you're buying a home, lenders can use your positive rental payment history for loan approval.While building credit by paying rent can take some effort, it is simple to do with rent reporting services and a little help from your landlord. Here's how to get credit for all of those rent payments.Does Paying Rent Build Credit? "Paying rent can build credit if your payments are reported," says Rod Griffin, senior director of consumer education and advocacy for the credit bureau Experian. "Unfortunately, that's not the norm, as most landlord and rent management companies don't report rent payments." Unless you or your landlord have signed up for...
Survey: Nearly 30% of Last-Minute Shoppers Waiting on Next Paycheck to Buy Gifts | Credit Cards
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Survey: Nearly 30% of Last-Minute Shoppers Waiting on Next Paycheck to Buy Gifts | Credit Cards

A mid-December survey from U.S. News & World Report shows that panic shopping may be just around the corner for some Americans. There are many reasons people wait until the last minute to buy gifts, but for some it's a necessity. About three in 10 shoppers have to wait for their next paycheck to finish their holiday shopping.Here are other reasons respondents haven't finished shopping: I'm still looking for the perfect gift: 33.5%. I always wait until the last minute: 16%. I'm not looking forward to shopping, so I procrastinated: 10.5%. Other reasons: 10%. I just activated a new credit card: 0.5%. More than 10% say they'll finish shopping on Dec. 24, but 11.3% say they have no idea when they'll be done.  Almost a third aren't following a holiday budget for last-minute purchase...
What Is a Purchase APR? | Credit Card News & Advice
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What Is a Purchase APR? | Credit Card News & Advice

Every credit card has certain terms and features you should be aware of – and purchase APR is one of the most important. The APR, which stands for annual percentage rate, is the amount of interest you will pay if you carry a balance.While there are a few different types of APR, perhaps the most important is the purchase APR. Learn more about what it is, how it’s determined and how to qualify for a competitive rate.What Is Purchase APR? Purchase APR is a measure of how much interest you pay on a balance from purchases that you make, says Matthew Goldman, founder of Totavi, a fintech advisory service.Though some cards have a single rate for all types of transactions, many have different APRs. The purchase APR applies every time you buy something from a merchant or service provider.Why Purch...
Hilton Honors Surpass Card from American Express Review
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Hilton Honors Surpass Card from American Express Review

How to Maximize Rewards With the Hilton Honors American Express Surpass® Card Cardholders who make eligible purchases directly with a participating hotel or resort within the Hilton portfolio will earn 12 points per dollar. Earn six points for purchases made at U.S. restaurants, supermarkets and gas stations. Earn three points for all other eligible purchases.You can earn 170,000 Hilton Honors Bonus Points with the Hilton Honors American Express Surpass® Card after you use your new card to make $3,000 in eligible purchases within the first six months of card membership. Offer ends 1/17/2024. And every time you book your reservation online within the Hilton portfolio and use your Hilton Honors American Express Surpass® Card, you will earn 500 bonus points.Redeem your rewards for free hote...
Hilton Honors Aspire Card from American Express Review
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Hilton Honors Aspire Card from American Express Review

How to Maximize Rewards With the Hilton Honors American Express Aspire Card You can maximize your rewards with the Hilton Honors American Express Aspire Card by using it for Hilton and other travel expenses. Purchases at participating Hilton hotels and resorts earn 14 points per dollar. You earn seven points per dollar on flights booked directly with airlines or amextravel.com, seven points on select car rentals and dining at U.S. restaurants, and three points per dollar on all other purchases.Earn 180,000 Hilton Honors Bonus Points after you spend $6,000 within the first six months of opening your account.Redeem your rewards for free hotel stays, experiences, Lyft rides, shopping at Amazon.com, select car rentals and airline miles. What Are the Fees Associated With the Hilton Honors Amer...
Is It Worth Upgrading From the Hilton Surpass to the Hilton Aspire? | Credit Cards
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Is It Worth Upgrading From the Hilton Surpass to the Hilton Aspire? | Credit Cards

Some of the links on this site contain offers from our partners. Hilton offers several co-branded credit cards for travelers looking for extra perks when staying at one of its hotels. These cards carry a range of earning power, benefits, elite status and annual fees. For many years, I used the Hilton Honors American Express Surpass® Card but recently upgraded to the Hilton Honors American Express Aspire Card. Although Aspire has a much larger annual fee, the earning power and benefits make it worthwhile. Here's why you should consider upgrading if you like staying at Hilton properties.Why I Upgraded From the Hilton Surpass to the Hilton AspireWhen I choose a credit card, I'm looking to get the most value from the card – even if it means paying a higher annual fee. I want to earn more re...
Buy Now, Pay Later Keeps People Spending—Without Credit Agencies Knowing 
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Buy Now, Pay Later Keeps People Spending—Without Credit Agencies Knowing 

Priscilla Rodriguez, an overnight stocker at a Walmart, has a strategy to protect her credit score as she and her husband look to buy a house.The Sunland Park, N.M., resident uses installment loans from Afterpay to buy groceries, her pricey skin-care products and art supplies for her 10-year-old son, which keeps the balance on her two credit cards low—and the credit agencies in the dark. Copyright ©2023 Dow Jones & Company, Inc. All Rights Reserved. 87990cbe856818d5eddac44c7b1cdeb8
How Repairing Credit Works | Credit Cards
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How Repairing Credit Works | Credit Cards

If you don't have a good credit score, you may have trouble getting approved for loans or credit cards, or you may only qualify for high interest rates. It makes sense to want to improve your situation right away, but fixing your credit requires patience.Companies may offer paid services for repairing credit, but they are frequently untrustworthy. Armed with time and the right information, you can figure out how to fix credit yourself."The difference is the time and the education," says Stephanie Yates, director of the Regions Institute for Financial Education and chair of the department of accounting and finance at the University of Alabama at Birmingham. "Frankly, that's how some less reputable firms make a lot of money – kind of preying on that lack of knowledge and lack of time."How t...
These Credit Cards Offer Free In-Flight Wi-Fi | Credit Cards
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These Credit Cards Offer Free In-Flight Wi-Fi | Credit Cards

Some of the links on this site contain offers from our partners. The cost to access the internet in the air varies by airline. However, several credit cards offer free in-flight Wi-Fi as a benefit – plus, savvy travelers can take advantage of other opportunities to cover the cost of Wi-Fi in the sky.How Much Does In-Flight Wi-Fi Cost?Here's a breakdown of the cost of Wi-Fi by airline. Alaska Airlines: From $8 to $24.99, depending on aircraft. American Airlines: As little as $10 per flight, and monthly subscriptions starting at $49.95 or $599 annually. Delta Air Lines: Free to all SkyMiles members or $5 per flight. JetBlue Airways: Free for all travelers. Southwest Airlines: $8 per device per flight. Spirit Airlines: Starting at $3.99 for browsing and $6.99 for streaming. United A...
No-Cost EMI: How to select the best no-cost EMI plan?
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No-Cost EMI: How to select the best no-cost EMI plan?

If you have a specific need for a product and are confident in your ability to make monthly payments, a no-cost EMI plan can be a convenient way to make your purchase. No-cost EMI allows you to get a product without paying the full price upfront, which can be helpful when on a budget or for high-value items. Here are some tips for using no-cost EMI plans wisely:Important Things to Consider Before Opting For A No-Cost EMI OfferCompare Offers: Different lenders and retailers may offer various no-cost EMI options, so it's wise to compare before choosing.Check Eligibility: The eligibility criteria may vary based on the retailer, financial institution, and the product you want to buy.Budget Properly: Ensure you can comfortably meet the EMIs before opting for a no-cost EMI plan. Calculate the t...