Here’s When It Makes Sense to Talk to a Credit Counselor Get free or low-cost expert advice from an objective third party.

93k in unused credit cards Hello all, I have several credit cards with an unused balance of 93,000. I’m trying to figure out whether this has an impact on my borrowing power. I want to buy a second home sometime in the future and just wondered if this would have a negative impact. I like to have a lot of unused credit as no one knows the future but I technically don’t n…

Do you use credit cards or debit cards? Providing you have the cash to pay off the statement balance each month, on time, and not paying interest on it, why wouldn’t you use credit cards to pay for your daily expenses given they give you cash back each month? It’s a win win if you ask me. I might incur a few grand on my card, but if I can pay it off without paying interest on it, it …

Credit card transfer balances Hello. Can anyone help me out? I have 2 high interest credit cards with Capital One. One has an APR of 30.15 (2,,697) and the other is 28.15% (1,308). My credit scores are from MyFico. The best place for accuracy, Equifax is 627, TransUnion is 633 and Experian is 624. My question is what credit card could I try to transfer my balances over to th…

Credit card transfer balances Hello. Can anyone help me out? I have 2 high interest credit cards with Capital One. One has an APR of 30.15 (2,,697) and the other is 28.15% (1,308). My credit scores are from MyFico. The best place for accuracy, Equifax is 627, TransUnion is 633 and Experian is 624. My question is what credit card could I try to transfer my balances over to th…

Nice way to ask for no credit? I am a professional photographer. I recently shot an event as a favour for a friend of mine, which I was more than happy to do and had a great time doing so. However, I do not usually shoot events. As mentioned this was a favour for a friend who has helped me out a lot in the past (I was not paid and didn’t expect payment). I do not usually offe…

How to choose a credit card I’m 35. I make a modest amount more than the median salary in my area. I have a mortgage and some student debt, but excellent credit. Score ~790, never missed a bill or loan payment ever in my life. I generally buy absolutely everything on a credit card, which I carefully pay off at least weekly if not more frequently, so essentially pay no int…

You Can Pay Your Mortgage With a Credit Card (but You Probably Shouldn’t) It’s usually a bad move—except for certain circumstances.

I don’t have many expenses. Should I still get another credit card? 24F I am fortunate to not have many expenses (for now). about $2000/mo. Just rent, food, gas, shopping, subscriptions, and the like. No student loans, debt, insurance (on parents for now) etc. I currently own 1 credit card. My 1st one with my banking credit union BECU. Should I get another CC to build credit and get benefits, even if I might on…

How Interest Is Calculated on Your Credit Card Knowing this will help you minimize the amount of interest you pay.

credit card debt from school – help! Okay so let me preface this, I am still in school (22 F), yes I have student loans, not worried about those yet because I still have at least another year+ before I go into repayment. I have become a lot more financially literate within the last year but that’s only led to a lot more stress lol. I have never received help from my parents becaus…

Apple iPhone Trade-In Promotion Ends as Credit Values Lowered As expected, Apple has ended its limited-time promotion that increased the trade-in values for select iPhone models in the United States when customers buy a new iPhone. The two-week promotion officially came to a close on June 3, which means anyone trading in their existing iPhone 11 or newer today will get slightly less money knocked off the …

should I use some of my savings to pay off credit card debt? For context, I’m 27 years old and make about $40k per year. Here’s a basic rundown of my finances: I have a little over $1,000 in a HYSA. DEBT: $1,911 of credit card debt with Discover, $1,520 in debt with Barclays Card. I’m currently using the Avalanche method and paying off more of the Barclays card when I can because the interest rate is sli…

Hyundai’s first US-built EV will be the tax credit-ready Ioniq 5 Image: HyundaiThe Hyundai Ioniq 5 will reportedly be the first car rolling out of the company’s new Georgia factory this fall. Moreover, company CEO Jose Muñoz tells Automotive News he expects the US-made version will net buyers the full $7,500 federal EV tax credit, which the South Korea-made vehicle isn’t otherwise eligible for (outside of a l…

Paying off credit card constantly So I use my credit card that gets cash back for mainly food purchases. At the end of the week, sometimes the same day I’ll pay off those purchases with my debit card and then pay whatever minimum payment is due when autopay rolls around. Is there any setback to this? I’m currently rebuilding my credit and I use the credit card only for cashback…

Can i just put most of my money in savings for a credit union? I use a credit union and have a couple thousand saved up, I think I get more money out of the monthly dividend depending on how much i put in the “regular shares” which is just savings. If I put like 1000 bucks in it would I get a lot more monthly? This is my first time ever having 4 digits in my bank if you couldnt tell lol. If so how much shou…

Mortgage from ten years ago still on my credit reports. When I bought my first house back in 2014 my house’s mortgage was immediately sold from United Wholesale Mortgage to Wells Fargo bank and that loan of 230k has been sitting on my credit report ever since. I called a couple years later and United wholesale said they did not have a loan number associated and would double check that it was closed o…

529 tax credit worth hassle First kid starts school in August. I’ve saved enough to contribute about $20k outside of a 529. Would it make sense to dump that into a 529 now to gain the $600 in tax credit Ohio offers ($120/yr for 5 years)? Basically, is the paperwork and administrative work easy enough to justify the small tax savings? Ohio maximum credit is $4000/year with …

Missing laptop, credit card dispute rejected Hi everyone, A few months ago I ordered a laptop from Dell. Dell tells me it arrived. I did not receive the laptop. I check the delivery confirmation from FedEx, I don’t recognize the name of the person who signed for the laptop. I go to the front desk of my apartment complex, they don’t recognize the name and don’t have the package. I call Dell…

Pay off credit cards or take a hit to credit score? Hi all – my Aunt’s husband recently passed after a lengthy battle with cancer that has left her in bad shape financially. We also found out he cashed in a $100K life insurance policy weeks before his death to gamble on horses. It’s been a bit of a mess. Currently, she’s about $15K in credit card debt, which she cannot pay. Family is coming toget…