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Paying off debt and debt management

If you need debt help, you might like to know that you’re not alone: the vast majority of Americans are in debt right along with you. That means up to 80% of your friends and neighbors are wondering how to get out of debt. Read More

Topic: Credit

Cyber crime and credit cards

Credit cards can make life easier. They let you pay for items and services online, you can leave your cash at home when you go shopping, and when emergencies pop up, you can handle them even if you don’t have enough saved. Unfortunately, credit card fraud is on the rise. Every cardholder should be aware of what cyber security measures to take to protect their card data.Read More

Topic: Identity/Cyber Fraud

Budgeting for healthcare costs in the new year

The beginning of a new year is a great time to budget for upcoming expenses, including those for healthcare. Considering that average annual healthcare expenses for American families range from $5,000 to nearly $20,000/year, planning ahead can make a significant difference in your overall financial picture. Read More

Topic: Health Savings

Advantages of having good credit and disadvantages of having bad credit

Most Americans — 86%, in fact — have a credit score. What are the consequences of good or bad credit? It turns out, there are quite a few. You might be surprised by how many aspects of your life can be impacted by this number. Read More

Topic: Credit Score

How much does it cost to have a baby?

The cost of having a baby in the United States depends on a host of factors: where you live, which hospital you choose, whether you use in-network doctors, your health insurance situation, and whether you or the baby have any medical complications. For this reason, there's no one answer to the question, "What's the cost of a baby?" Read More

Topic: Family Healthcare Financing

How to improve your credit score

A healthy credit score (700 or above on a scale of 300 to 850)1 helps consumers get credit at favorable interest rates, making it easier for them to handle large expenses with a credit card, get a mortgage on their dream home, or take out a loan to fund their education. Lower scores, on the other hand, can make it more difficult to get credit or loans, which can affect consumers' life plans and financial goals.

It's possible to increase your credit score and keep it high by focusing on the five credit score factors Read More

Topic: Credit Score

Credit cards versus installment loans: benefits and drawbacks of each

Most people may need to borrow money at some point. In fact, the average revolving debt per adult in the United States is more than $4,000.1 Even if you're generally financially comfortable, you may appreciate the option of financing to pay for your education, purchase a home or to pay for necessary or elective healthcare services. Fortunately, there is no shortage of credit products available.

Unsecured credit cards and installment loans are two popular borrowing options. Both have a variety of benefits and some drawbacks. Read More

Topic: Credit

Understanding promotional financing

Picture this: your refrigerator breaks down, and within a day, all your food starts to spoil. You don't have the cash on hand to buy a new one, but you can't exactly go without. What do you do?

A credit card with promotional financing might be the answer. Promotional financing can allow you to pay for big-ticket items with a credit card. Read More

Topic: Credit

Understanding credit card terms

If you're like the majority of Americans, you have a credit card and you use it to shop online, book travel arrangements, eat out, or just take care of groceries and gas. Credit cards can help you manage expenses and make the purchases you want and need. But every card comes with an agreement between you and your credit card company, and you should understand the terms, so you know what fees or interest may apply on your purchase. Read More

Topic: Credit

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