Credit Cards & Credit Score

Credit cards are widely used in the US from large purchases to small. No purchase is too small not be paid by a credit card. In fact for most purchases below $25, you don’t even need to sign anymore. Just swipe the card and you are done.

• Qualifying for a Credit Card & Free Credit Reports – Find out what is required to qualify for a credit card, what a credit report is, and how to get a free annual credit report.
  
  
• How to build a Credit History from Scratch – This section outlines your options of establishing a credit history if you don’t have one.
  
  
• Credit Score (FICO) – Why does FICO score matter? How is it calculated? What can you do to improve your FICO score? Why should you care?
  
  
• Get the Best Credit Card Deal – How to choose a credit card. What to look for if you apply for a credit card (Annual Interest Rate, Grace Period, Annual Fees, etc.)
  
  
• If Your Application Is Denied – What to do if your credit card application is denied.