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Combining Same Day Credit Inquiries: Who Does and Who Does Not?

by | April 16, 2024 | Credit Card Info | 3 Comments

Every time you apply for a credit card, the credit card issuer will make a hard credit inquiry and pull your credit report. Credit inquiries can affect your credit score for up to 12 months and stay on your credit report for up to 24 months. But if you apply for more...
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How To Check Your Credit Card Application Status By Phone or Online

by | April 14, 2024 | Credit Card Info | 8 Comments

Did you apply for a credit card and the application went pending? If you’re like most people in our generation, you do not want to wait 7- 10 days until you get the letter in the mail. You want to know the results as soon as possible! Did you know that with most banks...
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The 10 Best 0% APR Credit Cards For April [2024]

by | April 11, 2024 | Credit Card Info, Credit Card Offers | 0 Comments

Check out the best 0% APR offers available now!
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Will It Start Costing You More To Swipe On A Premium Card?

by | April 9, 2024 | Credit Card Info | 0 Comments

With a settlement reached between Visa/Mastercard and U.S. Merchants, Visa and Mastercard agreed to lower fees paid by merchants. They also agreed to allow merchants to surcharge customers based on what type of card they are using. For example, customers who use a...
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My Prediction About The 3% Robinhood Card. Is It Just A Marketing Stunt?

by | April 7, 2024 | Credit Card Info | 0 Comments

Robinhood has announced that they will be releasing an unlimited 3% cashback card, and the credit card world went wild! But will the 3% cashback really be 3% cashback? Will it last? Let’s explore.
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The 10 Best Credit Card Offers For April [2024]

by | April 4, 2024 | Credit Card Info, Credit Card Offers | 0 Comments

Check out this month’s best credit card offers!
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PointsYeah Added A Hotel Award Search

by | April 2, 2024 | Travel | 0 Comments

A while back I posted about a great award-finder tool called PointsYeah.  Many of my followers, including myself, started using it and it’s been a lifesaver. It cut my time to find award booking by a fraction! You can read my full review here.
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Only 2 Days Left! United Business 100k Offer

by | April 1, 2024 | Credit Card Info, Credit Card Offers | 0 Comments

Update: Offer expired. There is a great welcome offer on the card_name that is expiring in two days. Earn 100,000 miles after spending $5,000 within the first 3 months. Expires on Wednesday, 04/03/24 at 6 pm EST. Get the offer now! There isn’t much time left! Get the...
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The Best Websites To Monitor Your Credit Report For Free

by | March 31, 2024 | Identity Theft | 4 Comments

In today’s day and age, we hear daily of new hacks and new identity theft stories. By now everyone knows how important it is to properly monitor your credit report to make sure that no thieves are able to open any credit cards or loans in your name. There are many...
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Changes On The Hilton Honors American Express Business Card

by | March 28, 2024 | Credit Card Info, Credit Card Offers | 0 Comments

American Express made some significant updates today on The Hilton Honors American Express Business Card. Here is the good, the bad, and brief explanations.
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How To Build Credit History Properly Once And For All

by | March 5, 2024 | Building Credit, credit | 0 Comments

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

by | February 27, 2024 | Building Credit, credit, First Credit Card | 14 Comments

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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Do Utility Or Phone Bills Help Build Credit?

by | February 4, 2024 | Building Credit, credit | 0 Comments

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...
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How Long Does It Take To Build Credit?

by | November 7, 2023 | Building Credit, credit | 0 Comments

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...
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How To Make Sure Our Emails Don’t Get Lost In The Promotional Tab

by | March 26, 2024 | About The Blog | 0 Comments

Hello dear reader! We know you look forward to each email we send out to our users. The emails are chock full of valuable content within the full realm of credit education and more, including time-limited welcome offers. Some of you miss out on Help Me Build Credit...
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The Compare Cards Section Has Been Revamped!

by | February 18, 2024 | About The Blog, Credit Card Info | 0 Comments

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.
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The HMBC WhatsApp Forum Is Finally Live!

by | January 23, 2024 | About The Blog | 0 Comments

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

by | December 31, 2023 | About The Blog | 0 Comments

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...
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