Advice & Expertise Blog

Articles in November 2018

1. 

   Everything You Need to Know Before You Take Out a Debt Consolidation Loan

   Holly Johnson November 29, 2018

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   If you are someone who can’t seem to stop racking up more credit card debt, a debt consolidation loan may be exactly what you need. Before you start shopping around for another loan, here’s everything you need to know.

2. 

   3 Tips for Preparing Your Finances for Holiday Shopping

   Adam West November 27, 2018

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   Given that your holiday spending could very well end up being more than a mortgage payment, it’s important to get a handle on your finances well before you start swiping your way through holiday sales. With a little preparation and planning, you can ensure your finances make it through the holidays and into the new year.

3. 

   New FICO Scoring Model Could Be Coming: What This Means

   Holly Johnson November 26, 2018

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   If you believe this new scoring model could benefit you, it’s important to understand how your banking data could play a role. FICO has mentioned how your checking, savings, and money market history can be used to boost your credit score in some cases, but what does that mean?

4. 

   Earn 10% Back on Holiday Shopping with A Single Cash-Back Card

   Holly Johnson November 20, 2018

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   While an array of cash-back credit cards can help you maximize your holiday spending, one card — the Discover it® Cash Back — is offering more rewards than its competitors in certain categories. However, there are a few caveats to consider.

5. 

   Discover it® Cash Back Review

   Holly Johnson November 18, 2018

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   If you’re looking for a way to earn more than the standard 1% cash back many no-fee rewards cards offer, you may want to consider the Discover it® Cash Back.This card does offer unlimited 1% cash back on your everyday purchases, but you also earn 5% cash back on up to $1,500 spent in categories that rotate each quarter.

6. 

   Best Rewards Cards for Holiday Shopping

   Holly Johnson November 18, 2018

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   If you plan to shop for Thanksgiving, Christmas, Hanukkah, or other winter holidays this year, it’s only natural to wonder if a credit card could leave you better off. After all, many credit cards offer travel rewards or cash-back and some offer consumer protections such as guaranteed returns and extended warranties.

7. 

   What to Avoid on Black Friday to Save Money

   Kat Tretina November 15, 2018

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   Retailers are desperate to make you part with your hard-earned money. They rely on retail tricks to convince you to open your wallet when you otherwise wouldn’t spend money. To avoid overspending, here are five Black Friday tricks you should know about.

8. 

   Why You Need a Credit Card After Declaring Bankruptcy

   Kat Tretina November 13, 2018

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   When you declare bankruptcy, your credit score and report can be ruined, and it will remain on your credit report for seven to 10 years. However, that doesn’t mean you’re stuck with bad credit for a decade. You can start rebuilding your credit right away. Check out these tips to get you back on track.

9. 

   Improving Your Credit While you’re Still In Debt

   CreditSoup Staff November 8, 2018

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   Just because you can pay off your debt in large increments or all at onece doesn’t mean you can’t improve your credit score. Follow these simple step to improve your credit while your still in debt.

10. 

    Capital One® Quicksilver® Cash Rewards Credit Card Review

    Holly Johnson November 7, 2018

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    The Capital One® Quicksilver® Cash Rewards Credit Card offers an exceptional rate of cash-back without charging an annual fee. In addition to ongoing rewards, consumers can also earn bonus cash just for signing up and meeting a minimum spending requirement.

11. 

    Strategic Ways To Improve Your Credit Score

    CreditSoup Staff November 5, 2018

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    We all know paying off your debt will improve your credit but understanding how to pay off your debt could help increase your credit score exponentially. Learn more about how to strategically manage your credit score and may the most of your payments.

12. 

    Should You Use Your Credit Cards to Pay Your Utilities?

    Brittney Mayer November 2, 2018

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    Humans are creatures of habit; we like routines and rituals that keep our lives in order. But while routine can be comforting, there are certainly some regular activities that most of us would happily forgo — like sitting down to pay the bills every month.

13. 

    CIT Bank Review 2019 - Money Market, Savings, and CDs

    CreditSoup Staff November 1, 2018

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    CIT Bank offers a range of money market, savings, and CD products with attractive interest rates and low minimum deposit requirements.