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Credit explained in simple terms. Read a credit card vocabulary and discover common mistakes to avoid. Learn good credit management skills and understand how to build a healthy credit profile.

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Credit Card 411

Credit cards explained. Read about history, APRs, fees and costs associated with credit card usage. Compare all types of credit cards, from student credit cards to top card offers for consumers and businesses.

Credit Cards

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Credit reports and scores explained in simple terms. Learn about the three major credit bureaus. Learn how lenders use credit scores to
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Credit Report

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Become familiar with financial aid basics. Learn the difference between a federal Stafford loan and a private student loan. Read a review of StudentLoans.gov. Find available school financing options.

Student Loans

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credit_card_tipWhen using credit, first create a budget. Use a credit card for planned expenses like groceries and pay the charges off five days before the monthly bill is due.

When possible set up reoccurring automatic payments online for the amounts you have budgeted and charged on the card. The top two, Visa and MasterCard are not the only brands of cards available to consumers.

Franchised businesses and department stores offer their own specific branded card available for use only at store locations. This helps in that the cardholder may not use the card everywhere else.

Prepaid debit cards can be an alternative to traditional credit cards when managing and controlling your spending. With prepaid cards you load money on to the account and only spend the money you have. You’re not “borrowing” every time you spend with a prepaid card. Parents can control what their chidren spend.

There are fees that come with obtaining and using prepaid cards. The fees vary with each card, but it is important you educate yourself on all fees that accompany prepaid debit card usage. If you’re seeking one, shop around and compare the many prepaid cards before signing up for one.

Hassle Free Student Credit Or Face The Debt Sentence

Student credit cards are issued by various banks to students as an introduction to building credit. These are very easy to be approved for because the banks issuing the cards are looking for the very basic credentials. There’s no previous credit required, making it possible for virtually every student to begin building their credit score.

Some of the main benefits to student cards are that it will allow students to buy what they need and pay the amount off in a slower amount of time. There are some very low APRs given out to students as well as some other incentives that can be advantageous, including cash back and discounts at merchants. Many times there are no annual fees and limits are set low to avoid a student getting too far into credit card debt.


There are several banks offering credit cards to college students. Not all of the cards have great deals that will help a student. Some of the pitfalls to avoid are taking on a credit card that has a high APR or an annual fee. Annual fees are a way to throw away money.

Cards are out there that don’t charge annual fees, so it’s important for students to compare options.

Many sites exist that will do the comparisons for a student. This way a student will be able to see the APR, the annual fee as well as other features of the card. By doing some research on the details of the card, it will be easy to avoid some of the worst credit card offers. Introductory APRs are the biggest thing to be on the lookout for.

Student and regular credit cards are virtually the same in many ways. The main differences are student cards have smaller lines of credit and are easier to apply for if you have a co-signer.

News From Around The Web

11 steps to improve your credit scoreConsumerReports.orgIf you've been through one, start populating your credit report with good credit. Secured credit cards may be an effective way to rebuild your credit. A bankruptcy will have less impact on your score over time as long as you aren't defaulting on new [...]
Wed, Nov 26, 2014
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The Best Airline Miles Credit Cards in AmericaSTLtoday.comAs a result, rates, fees and terms for credit cards, loans and other financial products cited in these articles may have changed since the date of publication. Please be sure to verify current rates, fees and terms with credit card issuers, banks or [...]
Wed, Nov 26, 2014
Source: Google News
5 Credit Card Predictions for 2015U.S. News & World ReportExpanded credit access. Lenders tightened their standards during the recession, making it tough for many people with blemished credit to get approved for credit cards or other loans. But as card issuers strive to expand their market share, they've ...and more [...]
Tue, Nov 25, 2014
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