Credit Card Articles

Looking to apply for a new credit card? Our Credit.com experts can help. Get the information you need to make smart credit card decisions. Discover how to evaluate credit card features & terms, as well as minimize credit card fees. Understand how banks will evaluate your application, and which card options are best for you. You can use Credit.com’s free credit report card to find out what your current score is and how likely it will be for you to get the card of your choice.


Minimum Payments: What Are They & How Are They Calculated?

Paying your credit card account as agreed is important for your credit score, since payment history makes up 35% of a credit score. Your minimum payment on a credit card is just what it sounds like. This payment is the bare minimum you are required to pay on your credit card account each month and […] Read More

How to Upgrade Your Secured Credit Card

When people are struggling to rebuild their credit, a secured card can offer them the opportunity to qualify for a credit card and establish a positive credit history. Unfortunately, secured cards also have several drawbacks compared with┬ástandard credit cards. For example, secured cards always require a refundable deposit that is held by the card issuer, […] Read More

How To Get a Student Credit Card

If you are a college student looking for a student credit card, you have plenty of options. Banks and credit card issuers want you as a customer. And they’d like to keep you as a customer as you embark on a successful post-college career. Because of this, local banks and credit unions near your college […] Read More

Everything to Know About Authorized Users on Your Credit Card

An authorized user is someone who holds a credit card in his or her name but is not the primary cardholder of the account. An authorized user can make purchases with a credit card but has no obligation to make payments. Payment of the account is the sole responsibility of the primary accountholder. So should […] Read More

How To Avoid Credit Card Late Fees

Paying your credit card account on time every single month is a great way to build up a solid credit history. Plus, credit card late fees are pricey, up to $25. And it’s smart to avoid them whenever you can. And if you totally forget about a credit card bill and your payment arrives more […] Read More

Understanding Credit Cards: What is APR?

Just how much a credit card balance is costing you depends on your card’s annual percentage rate or APR. Just what is APR? The APR is the yearly interest rate on a credit card. Take a close look at your credit card monthly statement and you will see that your credit card issuer may charge […] Read More

When Do Balance Transfer Credit Cards Make Sense?

If you’ve got a big balance on a credit card with a high interest rate, transferring a balance to a card with a lower interest rate could make financial sense. Why? Because you’ll pay less money on interest charges and more of each payment will be applied to your outstanding debt. However, there are several […] Read More

How to Lower Your Credit Card Interest Rates

Wish the interest rate on your credit card was lower? Here are three ways to make it happen. Call and ask your issuer to lower your interest rate If your credit score has gone up since you applied for your credit card and you have a good payment history with your issuer, you may qualify […] Read More

What’s the Difference Between a Prepaid Card and a Secured Card

Trying to decide between a secured card and a prepaid card? Both types of cards may appeal to you if you have bad, little, or no credit. But there are some important differences to consider. A secured card is a good card for building credit and can be used just like any other credit card. […] Read More

Should I Close a Credit Card Account?

When it comes to maintaining good credit scores, closing a credit card account is a bad idea. When you close a credit card account, you hurt — not help — your credit. Your credit score looks at a variety of factors including: the length of credit history, which includes the amount of time all of […] Read More

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