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Need A Card Before Passover? 0% APR On Cards You Can Get Instantly

Pesach is less than 30 days away! Time to get (nut) cracking. As we approach this busy season that often manages to squeeze your wallet dry, you may find that you are temporarily short on cash. Here are some credit cards that have 0% APR to help your cash flow....

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

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...

The 9 Best Credit Cards For Tolls [2024]

Since not many credit cards scream “use me” when it comes to paying highway tolls, let us help you put an end to your toll quandary.  Some credit cards include toll within the travel category and some credit cards include toll within the transit category. To make it...

How Is Credit Utilization Calculated On Charge Cards

Credit utilization is one of the big factors that credit scoring models look at. Credit utilization is calculated by your current balance versus how much percent of your available credit or credit line was used. The higher the percent of your credit line you spend,...

When Is The Best Time To Pay My Credit Card?

You might often wonder at what point of the month you should make a payment towards your credit card balance. You may also like to know how much of the balance to pay up at that point. Let’s get this question paid cleared up in this post.

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

Check out the best 0% APR offers available now!

The Best Cards To Use For Charity [2024]

Purim is coming up. People ask me all year round what would be a good credit card to designate for charity purchases. Now before Purim is the best time to take action and finally get yourself a card designated for charity. But which one? In this post I will discuss...

Last Call! Insane!! $3,000 / 300,000 Miles Bonuses For Huge Swipers!!!

Update: Offers expired. 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!!

The 10 Best Credit Card Offers For March [2024]

Check out this month’s best credit card offers!

How To Build Credit History Properly Once And For All

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...

How To Build Credit History Properly Once And For All

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...

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

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...

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...

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

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...

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...
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