0 Have your say Credit cards have been available for over half a century and can be incredibly useful when making more than the normal transactions, such as at holiday time and Christmas, as well as bringing major consumer rights. -> Conal Gregory: Don’t wait until the airport to splash out on your holiday cashTheir strength this time of year is the facility credit cards give in paying for goods and services in foreign currencies. If well chosen, no transaction fees arise from your provider.The first credit card launched in the UK was Barclaycard in 1966. It initially made little progress and had no rival until 1972. Today 65 per cent of adults hold a credit card. Last year 3.2bn payments were made, a four per cent rise on 2017. The industry forecasts the number of transactions will jump to 4.1bn by 2028.Plastic money – charge, credit and debit cards - has become so popular that the number of cash payments has fallen by 10 per cent a year over … [Read more...] about Conal Gregory: Which is the best credit card for you?
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David Slotnick, provided by Published 7:36 am CDT, Friday, April 12, 2019 Personal Finance Insider writes about products, strategies, and tips to help you make smart decisions with your money. Business Insider may receive a commission from The Points Guy Affiliate Network, but our reporting and recommendations are always independent and objective. The Points Guy As American students get ready to return to college — or to move in for their first semester — they should start thinking about something in addition to course schedules and extracurriculars: their credit scores. College is an ideal time to start building a credit history, which is vital later on when it's time to open utility accounts, apply for car loans and mortgages, and even apply to rent an apartment. For those without credit history, the best way to start is to be added to a parent's account, or open a secured credit card, like the Discover it Secured. After that, the smartest move is to open … [Read more...] about The best credit card for college students who need to build a credit history
Holly Johnson, provided by Published 7:35 am CDT, Friday, March 15, 2019 Personal Finance Insider writes about products, strategies, and tips to help you make smart decisions with your money. Business Insider may receive a commission from The Points Guy Affiliate Network, but our reporting and recommendations are always independent and objective.* Brastock/Shutterstock.com If you're trying to pay off credit card debt, there are options. Balance transfer credit cards like the Citi Simplicity® Card, also known as 0% APR credit cards, can buy you time to pay down debt with 0% interest. Citi Simplicity has 0% interest for up to 21 months, then a variable APR of 16.24% to 26.24%. Or, a personal loan through a site like Payoff or Credible can provide a fixed interest rate, fixed monthly payment, and fixed repayment timeline. If you have credit card debt, you might feel like credit cards are the problem. However, there are tools — including credit cards — … [Read more...] about The most convenient tools to help pay off credit card debt can ultimately save thousands of dollars
Elizabeth Aldrich, provided by Published 4:30 pm CST, Tuesday, February 12, 2019 The Insider Picks team writes about stuff we think you'll like. Business Insider may receive a commission from The Points Guy Affiliate Network. Credit Wise FICO announced a new credit scoring model that could result in a credit score increase for 33 million Americans. To find out whether or not your credit is on the rise, you'll need to start monitoring your credit score. Here are five credit cards that offer free credit score monitoring services — and lucrative rewards, whether you're looking for travel points or cash back. Credit scores are crucial to your financial health. While an excellent credit score — 800 or above — will save you thousands of dollars on a mortgage or auto loan, a bad credit score can wreck your dreams of purchasing a house or car at all. Luckily, credit scores aren't forever. It's always possible to build or rebuild your credit — and thanks … [Read more...] about 5 credit cards that offer free credit scores — and lucrative rewards
Kimberly Palmer, NerdWallet Published 2:00 am CST, Friday, January 11, 2019 This article was first published on NerdWallet.com. Credit card users enjoyed a bounty of rewards in 2018: Thanks to a relatively healthy economy and competition for consumers, issuers launched new products with attractive incentives. But there was a downside: Rising interest rates made carrying credit card debt more expensive. NerdWallet found that the average U.S. household with credit card debt carries almost $7,000 of it. Given current rates, that means paying over $1,100 a year in interest charges alone. Card issuers last year also cut back on some of the ancillary perks, citing low levels of use. Discover eliminated several benefits, including extended product warranty, purchase protection and auto rental coverage. Citi and Chase also trimmed their price protection benefits. Some credit card experts say 2019 might usher in a more austere period for credit card rewards, especially if … [Read more...] about 5 Credit Card Trends to Watch in 2019