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Finance

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We all love entertainment, right? Going out, having fun with friends and loved ones to catch the newest blockbuster movie, night out in a club, or a perfect day in an amusement park. All we want to do is have fun and a good time while spending a certain amount of money on entertainment expenses. We usually use the credit card over the cash to make any purchases because it’s a lot easier to carry…

Getting approved for a certain loan or a credit card can be somehow hard for a person who doesn’t have a good credit score. Many businesses or a lender won’t approve for a loan, but if they have a co-signer or someone who co-signs for another person, then their application will be accepted. Suppose one of a friend or a close relative request for you to co-sign for them, then think twice before accepting a…

We can’t completely deny the fact that the credit card makes our life a lot easier to fulfill our daily basic needs. There are various banks and Credit Card companies that offer the credit card to the individuals after meeting their predefined criteria. One of the important factors in the credit card, which plays a vital role, whether in getting qualified or increasing a credit limit, is the “Credit score.” People who have bad credit – usually a…

A credit card can sometimes be dangerous if not used properly but can be a valuable tool if you know how to use it in a responsible way. In fact, it’s the first step to build a strong financial and to establish a good credit score. Lots of people between 18 to 25 ages nearly racked up with debt because they don’t know the importance of credit cards. You have to do a lot of struggle to…

Excellent credit is certainly made a good impact on your credit card when you apply for one of them, however just because you have a good credit score doesn’t mean that your application will get approved. Many companies decide whether to approve and whom to reject despite a good score. Some of you may have faced of being denied for a new credit card even though your score is good enough for approval, right? You might get shocked, gets…

Applying for a new credit card is simple, but waiting for approval is a scary part. It just feels like taking an exam and waiting for a result. If you are a beginner and applying for a credit card, there are lots of things that you should know, which helps gives a higher chance to get approved. Using the right approval method also provides you the best credit limit, so you need to be realistic with your expectation. Whether…

Having a credit card hits you with lots of benefits – whether you use the regular card or a student card. If you are a college student, then owning credit cards are a great first step for you to build a good credit history. After graduation, you can apply the perks of credit cards in your career, which you are building from the past few years. A good credit history helps you to get a good job, rent…

It’s a fact that when we are as college students, we are probably more interested in having fun like a late-night party, road trip with friends – than thinking about our financial future. Even I had done the same thing when I was a college student. But it’s not always things will go like that; we also have to think about our future. Especially when we own a credit card, we need to be more serious about handling our…

We all get excited when we are going to use the debit card for the very first time, which we have only dreamed about, right? Especially when we are young adults or teens. I still remember my first debit card or prepaid debit card, which I got from our local bank in 1996. Those are the amazing days when I can simply make a purchase even though the bank is closed. I also can easily deposit the money in a…