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The Expertise & Guidance You Need for Better Credit

Find your way through the credit maze with helpful advice, grab-worthy offers, and industry insights all in one place.

  • Read tried & tested tips for building your credit
  • Explore 1000s of industry-proven, expert-backed credit topics
  • Search and compare all the latest credit card offers – ranked by the benefits you’re looking for

Credit Card Auto Rental Insurance – Master Post

Summer is coming, and we all will be hitting the road! You may be someone who does not own a car and relies on car rentals. What happens when you rent a car, head out on a trip, and then, god forbid, get into an accident? Usually what happens is, you have to pay the...
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Your Downgrade Options For Citi Credit Cards [2021]

In the past, we put together a breakdown of the downgrade options for Chase cards and Amex cards. This week I am going to go through the downgrade options for Citi cards.
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May 2021 Update: Master List Of COVID Benefit Changes To Amex, Chase, Capital One, And Citi Credit Cards

Credit card issuers are giving a mini-stimulus package to many of its cardholders. Benefits include statement credits, added benefits, annual fee credits, and more. Credit card issuers are making these changes in order to make their premium cards worthwhile even in an...
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Update: More Chase Cards Added. Free DashPass Membership, Sapphire Reserve $120 Credit

Update: 05/10/21: The free DoorDash DashPass 12 month membership was added to many more Chase cards (valid until 12/31/21). The following cards qualify; Aer Lingus Visa, British Airways, Iberia Visa, IHG Premier, IHG Traveler, Marriott Bonvoy Boundless, Marriott...
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credit utilization

Credit Utilization – 11 Things You Must Know

One of the biggest factors credit models look at when calculating a credit score, is credit utilization. Credit utilization is how much of your credit line you utilize.  Let’s imagine your dad gives you $100 per month for allowance.  If he comes back 10 months...
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Chase Credit Journey – Is It Accurate? Complete Review

In 2017 Chase released a free, credit monitoring service called Chase Credit Journey. A credit monitoring service is a platform that allows you to review and keep tabs on your credit report and score. Why would you want to keep tabs on your credit report and score,...
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Which Credit Cards Are Approving? May 2021 Update

It’s been just a little less than a year since we’ve built the HelpMeBuildCredit credit card database and we’ve already gotten over 800 credit card results reported by fellow users. You can check it out to track real-time results coming from users. Users report...
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What’s The Most Popular Credit Card Reported in Our Database?

Out of curiosity, I tallied up the cards in our credit card database to find out which cards are the most popular ones. I was wondering which one of the cards are the most recent popular cards amongst our readers. I was not shocked to find that the Chase Sapphire...
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The Lie About $1M Identity Theft Insurance

An ad for a $1,00,000 identity theft protection is something that rings well. Add some scary background music, and that makes it even better. And with all the new competition popping up you can assume that it sells well too.  But you might be surprised to find out...
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Early Mortgage Payoff – Does It Make Sense?

You probably heard that the first few years of your mortgage the majority of your payment goes towards interest, and as the years go on a larger percent of your payment gets allocated towards principal. Is this true? And if yes, why is that? Is this a “scheme” banks...
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8 Reasons Why Good Credit is Important – Including Some Interesting Ones

Good credit is not something that is needed only if you plan on flipping buildings one day. Good credit is something people need on various occasions throughout their life. In this post, I will make the case of why having good credit is important for everyone –...
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How to Build Credit at 18 – My Tested And Proven Method

Congratulations! You turned 18 and you decided you’re gonna do this. You’re going to start building credit like a boss! One teeny problem- you know you’re still young (c’mon, admit it!) so you wonder why the bank should trust you. How can you prove...
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How To Get Approved For Your First Credit Card- 5 Actionable Tips

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...
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The 5 Most Important Factors In A FICO Score

The FICO score model is the mostly widely used scoring model. As per Fico, as much as 90% of lending decisions that are done using a scoring model, use the Fico scoring model. In this post we will discuss the 5 most important factors that Fico would look at in order...
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Credit Card Auto Rental Insurance – Master Post

Summer is coming, and we all will be hitting the road! You may be someone who does not own a car and relies on car rentals. What happens when you rent a car, head out on a trip, and then, god forbid, get into an accident? Usually what happens is, you have to pay the...
Read More

Your Downgrade Options For Citi Credit Cards [2021]

In the past, we put together a breakdown of the downgrade options for Chase cards and Amex cards. This week I am going to go through the downgrade options for Citi cards.
Read More

Update: More Chase Cards Added. Free DashPass Membership, Sapphire Reserve $120 Credit

Update: 05/10/21: The free DoorDash DashPass 12 month membership was added to many more Chase cards (valid until 12/31/21). The following cards qualify; Aer Lingus Visa, British Airways, Iberia Visa, IHG Premier, IHG Traveler, Marriott Bonvoy Boundless, Marriott...
Read More

Which Credit Cards Are Approving? May 2021 Update

It’s been just a little less than a year since we’ve built the HelpMeBuildCredit credit card database and we’ve already gotten over 800 credit card results reported by fellow users. You can check it out to track real-time results coming from users. Users report...
Read More

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