Each week you probably receive cash-back card offers in the mail. If you’re in the market for a cash-back card, follow these steps before making a choice:
Check the terms.
Before you sign up for a card, see how much cash you can get back and if you are required to shop at specific stores to redeem [...]
Cash-back credit cards pay you cash – up to 5 percent back – on purchases. But these cards aren’t a good deal for everyone. Consider a cash-back card:
■ If you pay your bills in full each month.
If you carry balances, your cash-back rewards can be erased by finance charges. That’s because reward cards charge a [...]
Your credit score is based on a collection of factors in your credit reports. The more you know about how your credit report works, the more steps you can take to keep your score high. WHAT TO DO:
Old is good.Credit cards have much greater longevity on your credit report than an installment loan. [...]
Errors in a credit report not only are a nuisance but often tank your score, which in turn results in higher borrowing rates. How to repair credit-report errors
1. Request and review.
Get your three credit reports and scrutinize them for errors. The three national credit bureaus are Equifax, Experian and TransUnion. Request all three for [...]
