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

Victim Of Identity Theft? You Next Steps How To Protect Yourself

While being a parent in 2020, you work and overwork, constantly trying to make life work for you. Your phone rings and you pick up. It’s your bank calling about a transaction that needs to be verified. They ask you for your name, social security number, date of...
Read More
southwest cards

Earn 65,000 Points After $2,000 Spent With Southwest Consumer cards

Manage Your Business Cash Flow – 0% APR Credit Cards

Coronavirus is affecting many businesses all over the United States. Some fear that a recession is just around the corner. Is your business being affected? Here in this post, we will discuss how you can better manage your business cash flow during a time when business...
Read More

When Is The Best Time To Pay My Credit Card?

A frequently asked question with a very sought out answer; When is the best time to pay my credit card balance? You might often wonder at what point of the month should you make a payment towards your credit card balance. You may also like to know how much of the...
Read More

Why I Recommend The Amex Hilton Surpass For A Honeymoon

It’s so good to see newlyweds planning their honeymoon once again after so much of what has been going on. I’m happy to be getting questions again on which credit card is best for such a trip. Amex Hilton Surpass That’s the one I recommend!...
Read More
Credit Card Doctor

Are Credit Cards Still Approving? July Update

COVID -19 has taken everything on a roller coaster (except our kids). The virus affected almost every industry including credit card approvals. At HelpMeBuildCredit.com interviewed many applicants who recently applied for credit cards and see if they got approved or...
Read More

Refinancing Credit Card Debt: What You Need To Know

When someone is stuck with high credit card debt they are kind of trapped in a catch 20-20 situation. They are paying extremely high interest on the debt but at the same time, they can’t get approved for any better loan terms as their credit is shot by those...
Read More

Paying Credit Card Balances: How To Save The Most On Interest?

Last week we posted about a strategy on how to pay your balances to lift your credit score by the maximum points even by only paying a fraction of your balances. This week lets discuss the consumer that does not care so much about their credit score but would rather...
Read More

Bust Out Fraud: Fraudsters, Creditors, And Consumers; Stay Out Of Trouble

The Tactic Of The Fraudsters Fraudsters are sly and cruel and wreak millions of dollar damage to thousands of creditors. They use account holders who are oblivious to the fact that they are being used, to steal money from creditors. Now that credit cards are so much...
Read More

Why Are My Credit Scores Different?

When people check their credit score, should it be by Credit Karma or on their Discover statement, etc., they look at the three-digit number. They take it as a fact that this is their credit score. Period. The same way they know their age and weight, they feel that...
Read More

Getting Approved For A First Credit Card

Credit is not something you are automatically born with. It is something you need to learn how to build on your own. 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 credit? Stay...
Read More

Secured Credit Cards – Everything You Need To Know

Are you looking to build or rebuild your credit? That’s smart! But, hey! Banks are not your buddy. They won’t lend you money just based on trusting that you’re an honest guy. They need proof that you will repay them. They want to see a track record where...
Read More

Building Credit With a Store Card

One of the classic, old school ways of starting to build credit was by first applying for a store card.  What Is a Store Card? A store card is a credit card offered by a store or brand, for example, Gap, Kohl’s, Home Depot, etc. The credit card is designed...
Read More

Key Differences Between an Authorized User and a Joint Account

If you own a credit card, you most probably already heard the term Authorized User, but did you ever hear of a Joint or Co-Applicant? Joints and co-applicants are a much less common term in the world of credit cards, as it is not even an available option by...
Read More

Manage Your Business Cash Flow – 0% APR Credit Cards

Coronavirus is affecting many businesses all over the United States. Some fear that a recession is just around the corner. Is your business being affected? Here in this post, we will discuss how you can better manage your business cash flow during a time when business...
Read More

When Is The Best Time To Pay My Credit Card?

A frequently asked question with a very sought out answer; When is the best time to pay my credit card balance? You might often wonder at what point of the month should you make a payment towards your credit card balance. You may also like to know how much of the...
Read More

Why I Recommend The Amex Hilton Surpass For A Honeymoon

It’s so good to see newlyweds planning their honeymoon once again after so much of what has been going on. I’m happy to be getting questions again on which credit card is best for such a trip. Amex Hilton Surpass That’s the one I recommend!...
Read More

What To Include When The Credit Card Application Asks For Your Income

The Credit Card Act of 2009 requires credit card companies to take “the ability of the consumer to make the required payments” into account when deciding whether to approve an application. It also requires those under 21 to provide proof of their...
Read More