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.


The Easiest Credit Cards to Get

Looking to establish or re-establish your credit but not sure where to apply? You may not be able to qualify for every credit card, especially if you have bad credit. You can see where your credit score stands (and get matched with credit cards you’re likely to qualify for) for free on Credit.com. Here are […] Read More

What Are Instant Approval Credit Cards?

With an instant approval credit card, you will know if you qualify for the card and all its benefits in no time at all — less than a minute, actually. Your approval for an instant approval credit card is based primarily on your credit score but you also will be asked some general information about […] Read More

How to Opt Out of Mailed Credit Card Offers

Tired of your mailbox being crammed with prescreened credit card offers? Here’s what you can do about it. What Are Pre-Screened Credit Card Mailings? When you receive a pre-screened credit card offer in the mail, it means you’ve been invited to apply for a credit card. Usually this means your credit score fits the consumer […] Read More

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 standard credit cards. For example, secured cards always require a refundable deposit that is held by the card issuer, […] 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 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

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

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