Credit

How to Stop Using Credit Cards: 8 Tips and Tricks to Break the Habit

A credit card can be a valuable tool. It can also be a huge financial burden. Credit cards have led millions of Americans into an unsustainable cycle of uncontrolled spending and high-interest debt. If your cards are maxed out, you’re routinely carrying a balance, or you’re using your cards for impulse spending, it’s time to …

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What is a Credit Utilization Ratio? Learn How to Calculate Yours

Your credit utilization ratio, or credit utilization rate, is the amount of available credit you have versus how much you’re currently using. It primarily refers to revolving credit — lines of credit and credit cards — since these have an upper limit but the balances can change based on your usage. It is a key …

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How to Check Your Credit Report and Dispute Errors

Ever checked your credit report and noticed something unusual? Perhaps a mortgage you didn’t take out or a credit card bill you swear you’ve paid? Credit report errors happen all the time. Fortunately, it’s easier to fix them than you might think. Common Mistakes on Your Credit Report  Credit reporting is an imperfect system. More …

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Do Subscriptions Like Netflix and Hulu Build Credit?

Netflix has about 222 million subscribers, and Disney, which owns Hulu and ESPN, has nearly another 200 million subscribers. That’s a lot of opportunity for millions to increase their credit scores. If you’ve wondered whether Netflix payments can help you build credit, the short answer is yes. Almost all streaming-service subscriptions can help build and …

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Teaching Kids to Save Money: 15 Tips to Build Healthy Financial Habits

Teaching kids to save money and build healthy financial habits can be a good foundation for a bright financial future. It is never too young to start laying solid financial foundation practices that will cause them less financial stress in the future. Before kids can save money, they need to make money and understand how …

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How Much Do Credit Cards Cost? What Card Issuers Don’t Want You to Know

Credit card companies make their money by charging customers interest and fees, and it’s a lucrative business. According to the Consumer Financial Protection Bureau, Americans pay $120 billion in credit card interest and fees each year. That adds up to about $1,000 per family per year. But it’s often an unnecessary expense. If you’re careful, …

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