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When Is The Best Time To Pay My Credit Card?

You might often wonder at what point of the month you should make a payment towards your credit card balance. You may also like to know how much of the balance to pay up at that point. Let’s get this question paid cleared up in this post.

The 10 Best 0% APR Credit Cards For March [2024]

Check out the best 0% APR offers available now!

The Best Cards To Use For Charity [2024]

Purim is coming up. People ask me all year round what would be a good credit card to designate for charity purchases. Now before Purim is the best time to take action and finally get yourself a card designated for charity. But which one? In this post I will discuss...

Last Call! Insane!! $3,000 / 300,000 Miles Bonuses For Huge Swipers!!!

Update: Offers expired. The all-time high offers on the card_name and card_name are ending on March 11th, 2024! These are mega offers for huge swipers so do not miss it!!

The 10 Best Credit Card Offers For March [2024]

Check out this month’s best credit card offers!

How To Build Credit History Properly Once And For All

There are many people who often complain to me that although they started building credit a long time ago they still don’t have a perfect credit score.  Usually, the reason ends up being that they never set themselves up to build credit properly. In this post, I will...

List Of Banks That Make The Credit Limit Available Immediately After Payment

It’s an instant world. No more making payments for a credit card via snail mail, then waiting until the postman takes the stroll down the block to deliver your payment, and then waiting for the bank to get to your envelope and process your payment, and only once...

The Best Credit Cards For Groceries [2024]

There is no way to avoid the grocery, unless you decide to go hungry… But you can at least choose a credit card to use at the grocery so that you can earn rewards on your purchases. Here are the best ones.

6 Ways To Get Approved For Your First Credit Card And Start Building Credit

The best way to build your credit is by getting approved for credit cards. But, hey! How do you get approved for credit cards without having credit? That’s like saying “Oh, you don’t have money? Buy a business, and then you’ll have money.” Yoo-hoo! How do I BUY that...

Know Your Rights – The FCRA

The Fair Credit Report Act (FCRA) is over one hundred pages to read. Understandably, many consumers are not aware of their rights found in the FCRA, as they do not have the time to read all those hard-to-understand English pages. In this post, I will give you, in...

How To Build Credit History Properly Once And For All

There are many people who often complain to me that although they started building credit a long time ago they still don’t have a perfect credit score.  Usually, the reason ends up being that they never set themselves up to build credit properly. In this post, I will...

6 Ways To Get Approved For Your First Credit Card And Start Building Credit

The best way to build your credit is by getting approved for credit cards. But, hey! How do you get approved for credit cards without having credit? That’s like saying “Oh, you don’t have money? Buy a business, and then you’ll have money.” Yoo-hoo! How do I BUY that...

Do Utility Or Phone Bills Help Build Credit?

Getting a bill in the mail is not one of the most exciting times in life. Responsible, timely people, though, make sure that their utility and phone bills get paid on time. That’s why I get asked this question very often: How come I don’t have credit? I pay my rent...

How Long Does It Take To Build Credit?

I get asked this question a lot: “How long does it take to build credit?” The short answer is that building credit takes a lifetime “but no you do not need to wait until 120 to get approved for your first mortgage”. So let’s discuss how long it takes to build...

The Compare Cards Section Has Been Revamped!

Comparing credit cards has never been easier! We completely revamped the compare cards section on our website. It now has a sleek design and is much easier to use. Let me show you around.

The HMBC WhatsApp Forum Is Finally Live!

One of the most requested features that users submitted was for us to add a forum. Over the years we’ve successfully collected thousands of users who include some of the smartest minds in the credit and credit card industry. With an HMBC forum, users can interact with...

My 2023 Predictions (Wishes) – Some Of Them Right:) And Some Of Them Wrong:(

I adopted a custom to release predictions at the beginning of every year. The predictions are just my small-head-wishes for what I hope will happen within the upcoming year.  Let’s review the 2023 predictions and see which of my “wishes” happened and which ones did...

Closing The Book On 2023. Here Is What We Accomplished!

Some posts take longer to create than others. This post took us a year to create! As the year comes to a close, here is what we have accomplished during 2023! And of course, a huge shoutout to you and all our other dedicated followers for always having our back and...
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