by Sam | Sep 22, 2019 | Building Credit
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 to be...
by Sam | Aug 25, 2019 | Building Credit
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...
by Sam | Jun 20, 2019 | Building Credit
You can’t build credit without a credit card, but you can’t get approved for a credit card without credit. This is the building credit catch 22. The old school solution was applying first for a secured credit card. With a secured credit card, the bank will ask you for...
by Sam | Apr 15, 2019 | Building 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...
by Sam | Nov 25, 2018 | Building Credit, Credit Cards, First Credit Card
Applying for your first credit card is a very exciting time in life. With so many credit cards around on the market, though, this task may be very daunting. Here in this post, I will point out some things to consider to help you be the smart consumer when choosing...
by Sam | Aug 27, 2018 | Building Credit, Credit Cards, Improving Credit
Many people believe that carrying a balance will help them build credit or up their chances of getting approved for a credit card. People think that if they pay interest then the bank is making money off them (that part is true!) So if the banks are making money,...
