In the past recent years, the internet has provided some new sources to check your credit scores. Most of these sites will let you find out your score for free. But, what is that free really getting you? Probably misinterpreted information since each site uses it’s on scoring model to tally your credit score. So, literally your credit score could be wrong because of online models, but your credit could also be wrong because of you credit report. Things on your credit report could be keeping your score lower than it should be. It’s disturbing that your credit score could be wrong, here’s a few ways to check.
Some people have more than one credit card and one of those cards could have a high interest rate. And carrying a balance on a high interest rate credit card, could make it seem like the payments will never end. And a lot of people tend to overspend in the holiday seasons, then look for a solution for all the debt – something to make payments easier. Well, we are all in luck – the ability to transfer balances is here. Transferring the balance is not going to make the balance go away, but it will give you better options. Here’s when and why to transfer a balance.
It is never an easy decision to close a credit card account. There’s a lot more layers to closing an account than pulling out scissors and cutting it up like you’re in a bad movie. You could be trying to stop spending so much money and you believe that closing the account is the quickest way to getting back on a good financial track. While your heart is in the right place, the logistics of closing this account will take a little more planning. Plus, you need to take into consideration of what closing this account will do to your credit score.
Whether you are a first time credit card shopper or have had plenty of credit cards, shopping for credit cards can definitely be a pain in the rear end. How are you supposed to know what is best for you? Do you want a low APR or is it important to you that you get rewards for your spending? Or maybe you are looking for a credit card that you can transfer an outstanding balance to. But, you could just be looking to rebuild your credit from a few years of late payments. Whatever you are looking for, here are the Best Credit Cards of 2015.
Best balance transfer card
People can hide from paying painful interest fees on a large balance is by getting a card that will accept their previous balance. With Chase Slate, there’s no annual fee and no balance transfer fees, but only for the first 60 days. Good thing people usually transfer their balances right away. Plus, there’s 0% APR for 15 months, on both the balance transfer and purchases. Just make sure you have a credit score over 660.
Best balance transfer card
The Discover it card has been listed under almost every category Best balance transfer and Best rewards credit card. The card pays 5% cash back, with the categories rotating in 3-month cycles – that need to be signed up for and 1% cash back on all other purchases. The 0% APR offer on both purchases and balance transfers, with plans for 6 months to 18 months and no annual fee.
Barclay Arrival Plus World Elite MasterCard
Best card for traveling
Whether you are a frequent traveler or want to earn points for your next vacation, this award winning credit card is a good option for you. The perks of this card include no foreign transaction fee and earning $2.20 each time you spend $100, for both hotels and flights. If you spend $3,000 within the first 90 days, you just earned 40,000 bonus points. Plus, there are several bonuses for the mile you travel.
Capital One Venture Rewards
Best card for traveling
Being able to travel at anytime is a big deal. Waiting around to see what dates are available for vacation does not work for everyone. But, if you have the Capital One Venture card, there are no black out dates, no foreign transaction fees, and the miles are unlimited, and won’t expire. During the first 3-months, earn 40,000 bonus miles when you spend $3,ooo in purchases.
Bank Americard Travel Rewards
Best card for traveling
When traveling overseas, one of the biggest things to consider for a credit card is if there are foreign transaction fees. Good thing the Bank Americard doesn’t have any foreign transaction fees or an annual fee. There’s a 0% introductory APR for 12 billing cycles. During the first 90 days, 10,000 bonus points can be earned, when $500 in purchases made. Plus, there’s no blackout dates and benefits to Bank of America Customers.
Citi Double Cash Card
Citi likes to do something special with their offers – where you earn 1% when you make the initial purchase and another 1% when it gets paid off, hence the name Citi Double Cash card. There’s 0% APR for 15 months, on both purchases and balance transfers – with a$5 or 3% fee for the transfer and no annual fees. Plus, there are no category restrictions, no enrollments, and no caps.
Blue Cash Preferred Card from American Express
If you use your credit card for gas or groceries, then this is a great card option for you. Earning 6% at supermarkets, 3% at gas stations and specific department stores, and 1% on everything else. Plus the rewards are automatic – so no signing up constantly. There’s 0% APR for 15 months, on both purchases and balance transfers – with a 3% fee for the transfer and a $75 annual fee.
USAA Cash Rewards American Express
This American Express Card is good for groceries and gas, as well. With this card, you can earn 5% cash back on gas for up to $3,000; 2% cash back at the supermarket for up to $3,000 each year; and 1% cash back on everything else. Plus, there’s no annual fee. This card is special, especially for those in the Military. They get offered numerous special benefits, including help during deployment.
Best card for good credit
So, you have missed a few credit card payments, but you have been able to push your credit score into the good category (between 660 and 724). Chase Freedom allows you to rotate quarterly and earn 5% cash back, plus there’s a 1% for all other purchases. There’s no annual fee to worry about and a $100 bonus, when you spend $500 – during the first three months.
Barclay Rewards MasterCard
Best card for average credit
This MasterCard is a great way to rebuild your credit score and earn rewards at the same time. With this card, earn 2 points per $1 on groceries, gas, and utility, plus earning 1 point per $1 on everything else you need. With no annual fee, this card makes it easy to rebuild your credit score. And one of the perks of having this credit card, is the complimentary FICO score for members.
Capital One Secured MasterCard
Best card for rebuilding
If you are someone that has credit and it’s in pretty bad shape, this Capital One Secured MasterCard is definitely a great option for rebuilding. With a minimum of $200 for a security deposit, it will get you a $200 credit line and as you improve your credit worthiness – your line of credit can increase. You will also be reported regularly to the major credit bureaus. Oh, and there’s no annual fees.
Capital One QuicksilverOne Cash Rewards
Best card for fair credit
This MasterCard is one that is relatively easy to get if you do not have excellent or good credit, but rather average or fair credit. This rewards card doesn’t have rotating categories, no sign ups, and fraud coverage for lost or stolen cards. There’s 0% introductory APR on purchases and balance transfers till 2016 – with a 3% transfer fee. And after 5 months of on time payments, you can apply for a higher line or credit.
Most credit cards offer 15 months for their 0% APR introductory offer, but the Citi Simplicity card offers 18 months for their offer, plus no annual fee, late fees, or penalties. No late fees is great news for those that are late on their payments every now and then. Don’t be scared of the 3% balance transfer, but this card allows you to pay that balance off with no interest fees for 18 months.
Discover it For Students
Best card for students
Thank goodness for online reviews because college students would have no idea where to look for a solid credit card. There’s a 6-month 0% APR introductory offer, which gives students a little time to payback a portion or the whole balance they previously racked up. There’s also no annul fee and no foreign transactions fees. This card also comes with a few perks, like earning 5% cash back on purchases up to$1,500 and 1% on everything else.
Ink Cash Business Card
Best card for businesses
This Chase Business card is pretty awesome. With no annual fees and 0% APR introductory offer for a full 12 months – giving businesses a chance to make payments without interest. If businesses spend $3,000 during the first three, they earn a $200 bonus. For office supplies, phones, internet, and cable – businesses earn 5%; 2% on restaurants and gas stations; and 1% on everything else.
When people typically think of retiring, we think of our parents – or people that are generally in their 50’s, 60’s and even older. Usually people who have given their entire lives to their job in efforts to support and provide for themselves and possibly a family. But, that type of retiring is definitely a retirement of the past because people have become even more financially savvy, plus the ability to make oodles of money – thanks to the wonders of the internet and technology.
People are retiring earlier and earlier. Let’s meet Brandon Sutherland, a typical average guy who will be quitting his job and retiring at 32.
In the past recent years, the race for the richest person in the world has been doing quite the do-si-do. Carlos Slim Helu and Bill Gates have switched it up a few times, with Gates being on top 2015, 2014 and 2009, then Carlos Slim taking the reins in 2010-2013. Similar story goes for Warren Buffett and Amancio Ortega doing the do-si-do and switching up the order, with Buffett sneaking to the top spot in 2008. Thanks to Forbes magazine for tracking anything that has to do with the wealthiest people around the world. Here are the Top 5 Richest People In The World 2015.
Could you imagine being the Chief Executive Officer of your own company and making $500,000 or $1 million as an annual salary? Making that much money is pretty intense and would definitely be called baller status to the average person. This is a fantasy for people to be able to daydream about a fancy car or house and actually being able to afford it. But, when you think of how much greater your responsibilities as the CEO are – it starts to make a little bit of sense and scare some people off. Well, these people here are definitely not scared of a little responsibility – Here are 15 Highest Paid CEOs.
Celebrities make unbelievable amounts of money for the work they do. So, when we see the cars and houses and all the toys that come with making it in Hollywood, it’s hard to believe that some of these celebrities budget. And this might not be normal budgeting, but at least some of these celebs give themselves a stipend to work with each month or each year. For these celebs they can live like baller’s and still be within their means, while average people try to live like celebs and end up living way outside their means.
Here are 8 Rich Female Celebrities On A Budget.
So, you are thinking that now is a good time to start saving for retirement or at least explore what kind of plans they have for those looking to retire. But, aren’t quite sure what to do? Where to start? All you know is that you heard your parents and/or friends talking about an IRA. A What?
An IRA is an Individual Retirement Account – a savings account that allows you to keep your stocks, bonds, mutual funds and receive huge tax breaks. IRAs are simply, a better place to stack cash than under your mattress. While there are many many different types of IRAs, we will be looking at 4 primary types.
Thrift stores have been the talk of every town since Macklemore came in and told the world what he could do with $20 in his pocket. Yes, thrift stores were still popular before the song, but when that song hit the airways, mainstream music lovers fell in love with the idea of thrifting. Thrifting was now trendy and cool to do. But, I will give Macklemore some credit for his song, it opened up some people to the thought of wearing slightly used clothing and that the fashion didn’t have to be expensive.
Here are 15 Celebs Who Shop At Thrift Stores!