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Personal Loan Vs. Personal Line of Credit: What Is the Difference?

Life is unpredictable, and people often have challenges with financing large expenses immediately. So, if you need to improve your home, cover wedding expenses, or consolidate debt, borrowing money may be the only solution.  Individuals use lines of credit and...

Offer Ending!! Insane!! $3,000 / 300,000 Miles Bonuses For Huge Swipers!!!

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!!

Why It’s Important To Have A Two-Card Strategy

Credit cards come along with different forms of rewards, different types of benefits, different redemption options, etc., etc., etc. Sometimes I feel that the banks are using a strategy similar to “if you can’t prove him then confuse him”. They make it so...

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.

Best Credit Cards For Construction And Home Improvement

Lowe’s and Home Depot are just two of many home improvement retailers. If you are renovating or refurbishing your home, save yourself money by using a credit card that earns rewards on home improvement purchases and construction. Check out the best credit card...

​What Is The Chase 5/24 Rule? [Complete Guide 2024]

In June of 2015, Chase issued a rule that is now famous as the 5/24 rule. The rule basically means that anyone who has opened 5 or more personal credit cards within the past 24 months, cannot get approved for any Chase credit card.

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

Check out the best 0% APR offers available now!

New Offer! Get A Free Southwest Companion Pass + 30k Points With The New Southwest Credit Card Offers

Chase just released a new offer on the three Southwest personal cards. With the new offer, you get 30,000 points plus a Companion Pass good through 2/28/25 after spending $4,000 within the first 3 months.

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...

New Offers, Higher Annual Fees & New Credit/Benefits On Delta Cards – Earn 70k-110k Bonus Points!

Amex has made many changes to 6 Delta cards! They have released new, higher welcome bonuses and higher annual fees, and also added new credits to the cards.

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...

What’s The Minimum Age You Can Add Your Kid As An Authorized User? [Bank By Bank]

Adding your kids as an authorized user to your credit cards can help them jumpstart their credit. It’s also a great way to start teaching your kids about finances. Each bank has its own policy regarding at what age you can add your kid as an authorized user.

How Long Before Applying For A Mortgage Should I Not Open Or Close Credit Cards?

Buying a house is probably the biggest purchase you will ever make in your lifetime (unless you end up buying buildings in Manhattan). When you’re purchasing a house and applying for a mortgage it is also the most important time for you to make sure your credit score...

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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