Credit Cards

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Building Credit from the Ground Up
Qualifying for credit can be hard when you're just starting out and might not have a credit report yet. Follow these tips to build credit from nothing and establish a credible financial history.

Your Credit Report
This article discusses the ABCs of a credit report, explains credit scoring, and gives suggestions on how to improve credit.

Raising Your Credit Score
Is your credit score holding you back from financial freedom? Learn how to up your score and repair your financial image over time.

The Effective Use of Debt
This article discusses the difference between good debt and bad debt, how to use debt to your advantage and how much debt you should have.

Understanding the True Cost of Borrowing Money
How much is your loan or credit card really costing you? Before making a borrowing decision, make sure you’ve calculated its full cost to ensure you’ll be able to repay your debt.

How Credit Cards Work
A history of credit cards, including what credit card numbers signify and what happens behind the scenes when you swipe your card.

11 Tips for Every First-Time Credit Card User
Getting your first credit card is exciting, but it can be dangerous, too, if you make common credit mistakes. Pay attention to the following tips for first-time credit users and learn how to make credit an asset, not an enemy.

10 Ways to Protect Your Credit
Learn some easy steps you can take to prevent damage to your credit score.

Protecting Yourself from Credit Repair Scams
This article explores credit repair scams, teaching you how to recognize them and why they can't accomplish what they promise.

Is Your Credit Card Ready to Go Abroad?
While it’s easy to swipe your card in the United States, your purchasing ability might be limited overseas if you’re not prepared. Learn what you can expect from using a credit card abroad and how to prep your plastic for international travel.

Safe Spending Tips for International Travel
Traveling abroad? Don’t let exchange rates or foreign transaction fees bring you down—learn how to spend smart when you’re not spending in dollars.

Getting Out of Credit Card Debt FAQs
Learn the answers to some common questions about credit card debt, including methods to reduce your debt as quickly as possible.

Credit Cards: Myths vs. Fact
Don’t fall victim to these 10 credit card myths. Learn the truth about your credit score and how to use credit card facts to your advantage.

Are 0% Credit Cards Too Good to be True?
Opening a credit card that doesn’t charge interest may seem as financially likely as finding a pot of gold at the end of the rainbow, so you may be surprised by the number of cards that advertise 0 percent APR. Remember that even the most "magical" of offers will have certain conditions—learn what they are and how to determine if a 0 percent credit card is the best option for you.

Do or Don't? Closing a Credit Card
To close or not to close? Learn the facts behind this age-old debate and how you can keep closing a credit card from wreaking havoc on your credit score.

Debt Consolidation
In this article, you'll learn all about debt consolidation. Find out if you're eligible and if it could be the right choice for you.

Debt Snowball Repayment Method
The debt snowball method is a debt repayment system that can help you pay off your debts and stick to your repayment goals.

Tips for Talking to Creditors
In trouble with debt? Don’t hide out and allow your problems to grow—pick up the phone sooner rather than later. Prepare yourself to talk to creditors with these 12 tips.

Should I File for Bankruptcy?
Before taking the next step, learn what happens to your credit and assets during bankruptcy and the differences between chapter 7 and chapter 13.

Exemptions in Bankruptcy
Find out what property you can keep and what you can't when you file for Chapter 7 bankruptcy. Also find out how your assets affect your Chapter 13 repayment plan.

What is the Difference Between Chapter 7 and Chapter 13 Bankruptcy?
Compare and contrast both types of bankruptcy. Learn how each type differs in terms of debt discharging, eligibility and your credit.

Filing for Chapter 7 Bankruptcy
A step-by-step guide to filing for Chapter 7 bankruptcy, from decision-making to discharge of debts.

Filing for Chapter 13 Bankruptcy
Learn the ins and outs of filing for Chapter 13 bankruptcy and what process you'll go through from beginning to end.

Recovering from Banktuptcy
Learn more about how bankruptcy affects your credit score and how to recover financially after filing bankruptcy.