What is Cash Back on Credit Cards?

Cash Back on credit cards is a customer rewards system, first introduced by a division of Morgan Stanley all the way back in 1986.[1] A percentage of all money borrowed on the credit card is returned either as a bank deposit or as a ‘statement credit’ ...

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How Do Credit Card Refunds Work?

Buyer’s regret happens to the best of us. Perhaps you are not as in love with your purchase as you thought, or the item is defective. With that in mind, this is why credit card issuers allow for credit card refunds. Making a return on a purchase is a r...

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How Much Available Credit Should I Have?

Credit utilization is one of the most important factors contributing to your credit score. Your credit utilization ratio refers to how much available credit you have at a given time. Credit utilization is critical because it signals to lenders whether ...

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What Happens if You Overpay Your Credit Card?

The majority of Americans have credit cards and utilize them regularly. When paying your credit card balance, sometimes an overpayment on your account can happen, and people are left wondering, “What happens if you overpay your credit card”...

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Do Credit Limit Increases Affect Your Credit Score?

A credit limit is the maximum amount of money you can borrow on your credit card. It is an essential factor in determining your credit score because it’s used to calculate your credit utilization ratio. The card carrier determines your initial credit l...

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Can You Buy a Car with a Credit Card?

For many of us buying a car is the second largest purchase that we’ll ever make. Since it often requires financing, it’s been compared to buying a home — which is commonly our first largest purchase in terms of total dollars spent. So you likely questi...

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Best Credit Cards for Large Purchases

Making large purchases can be daunting. But if you have the best credit cards for large purchases, you can reduce the stress of juggling finances together for a large purchase and earn valuable rewards as well! In this article, we’ll be looking at a se...

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Best High Limit Credit Cards

High limit credit cards can be a valuable tool if used responsibly. Use these cards to maximize rewards when making an expensive purchase. Credit cards are a great tool to keep in your wallet — as long as you don’t max out your limit. And this is where...

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Best Credit Cards for Families in 2024

For a lot of families, credit cards have become critical for managing expenses and sorting out finances. If you’re a parent juggling the costs of food, school, soccer practice, and many more activities, a credit card is perfect to stretch out your budg...

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