Credit Card Learning Center

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, given your credit score.


Everything You Need to Know About Prepaid Cards

Everything You Need to Know About Prepaid Cards

Prepaid cards, also known as prepaid debit cards, let you load money onto a card and use it just as you would a debit card. Unlike other debit cards, though, a prepaid card doesn't draw directly from your checking account. Read More

Everything You Need to Know About Secured Credit Cards

Everything You Need to Know About Secured Credit Cards

Maybe you've trashed your credit. Maybe you've never built credit at all. Either way, a secured credit card is an excellent way, when managed responsibly, to start building it up. Read More

How Do Credit Cards Work?

How Do Credit Cards Work?

Credit cards are a modern convenience. And, increasingly, they're a necessity. The growing list of businesses that accept only credit cards - and not cash -- includes hotels, airlines, resorts, rental car companies and even some restaurants and merchants. Read More

Your First Credit Card: What You Need to Know

Your First Credit Card: What You Need to Know

When it comes to the world of credit cards, you're a complete newbie. You've never applied for a credit card before and you're not sure where or how to land a good deal. This guide will help you get started. Read More

Six Smart Credit Card Strategies

Six Smart Credit Card Strategies

Interest rates are creeping up on all types of loans, but those introductory low-rate credit offers just keep coming. My mailbox is flooded with offers like these: Read More

How Secured Cards Can Help You Build Credit

How Secured Cards Can Help You Build Credit

A secured card is a fantastic tool for building credit. Whether you have no credit or you're looking to rebuild your credit after some damaging financial times, signing up for a secured card is a smart way to get your credit back on the right track. Read More

Tips for Paying Off Credit Card Debt

Tips for Paying Off Credit Card Debt

Want to take charge of your financial life? Pay off your credit card debt. High balances and high finance charges can put a real drain on your wallet and limit your financial options. Read More

How To Get a Credit Card With Bad Credit

How To Get a Credit Card With Bad Credit

It's truly a Catch 22: you need a credit card to rebuild your credit, but how do you get a credit card with bad credit? Millions of people across the country have found themselves in this dilemma after the recession, so you are definitely not alone. Read More

Credit Card Options for Couples

Credit Card Options for Couples

Saying "I do" can be a life-changing event. But should you say, "I do" to your honey's credit cards, too? When it comes to credit cards, couples can be as close or as separate as they wish. Read More

What is the Average Credit Card Debt in America?

What is the Average Credit Card Debt in America?

The average credit card debt in America would seem like an easy figure to find, but it's not so simple. Very often the information gathered is based on balances, which is different than debt. Read More

Credit or Debit? How to Choose at the Checkstand

Credit or Debit? How to Choose at the Checkstand

For years bankers have envisioned a cashless society. We may not be there yet, but we are moving in that direction. Between debit cards and credit cards and online ways to move money such as PayPal, we're carrying fewer greenbacks in our wallets. Read More

Five Shocking Credit Card Debt Statistics

Five Shocking Credit Card Debt Statistics

Need a little motivation to get out of debt? Interested in how your debt levels compare with the average American? We've researched the Federal Reserve Board statistics to provide you with some perspective. Read More

Foreign Currency Conversion Fees are an Unwelcome Companion

Foreign Currency Conversion Fees are an Unwelcome Companion

As frequent international travelers will tell you, often the best way to avoid expensive charges involved with exchanging currency or travelers checks is to use your bank card at local ATMs to withdraw money in local currency and to use your credit card for purchases. Read More

How Many Credit Cards Is Too Many?

How Many Credit Cards Is Too Many?

If you've ever ordered your free credit reports, you may have been surprised by some of the accounts listed there. You may find that credit card you opened to get a 10% discount when you bought a new set of tires. Read More

How to Get a Credit Card With No Credit

How to Get a Credit Card With No Credit

If you're new to credit and have not yet established a credit history, it can often seem impossible to find a lender willing to approve you for a loan or a credit card. It's a bit of a Catch-22 Read More

How to Get a Secured Credit Card

How to Get a Secured Credit Card

If your credit is damaged, or if you never established credit at all, a secured credit card might be the thing for you. Read More

How to Apply for a Credit Card

How to Apply for a Credit Card

The key is to applying for a credit card is to comparison shop, as you would for a car. Do online research and collect any offers that you've received in the mail. Ask your bank or credit union what they offer. Read More

How to Pick a Low APR Credit Card

How to Pick a Low APR Credit Card

A low APR credit card can save you a lot of money in interest charges. But how do you pick one? Read More

Should I Close a Credit Card Account?

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. Read More