CreditSoup Staff
January 3, 2018
Check out our best of 2017 blogs, publications, and offers!
Top Blogs:
Most consumers understand the benefits of having a credit card, but it can feel overwhelming to choose from a seemingly endless list of options. In this infographic, we’ve put together a summary of various credit card categories as well as a handful of personas representing various potential borrowers. Read on to learn which sort of card might be right for your individual credit needs.
Last summer, credit reporting agency Equifax announced that a cyber security attack on their systems occurred. The company says that the data breach exposed customers’ personal information, including names, addresses, Social Security numbers and even driver’s license numbers. They also got a hold of thousands of credit card numbers. If you are one of the 143 million people affected by this data breach, here’s what you need to know to protect your identity from thieves.
Several factors influence a credit score and how the score is determined. The higher the credit score the better chance the consumer will have to be approved for lower interest loans and prime credit cards. In this infographic, you’ll find a rundown of the different aspects that make up your credit score and how you can improve your score. Read on to find out more about a credit score and how you can get yours for free!
Credit cards offer numerous benefits, but it’s important to use them wisely. The best way to ensure your credit card is helping — rather than hurting — your score is to pay your bill on time and in full every month. While these small pieces of plastic might be everywhere, not everyone understands exactly how they work. Used responsibly, there are several ways credit cards can benefit you financially.
Top Publications:
Whether fraudsters accessed your information as part of Equifax’s massive data breach or through another incident, it’s important to monitor your accounts and set up protections to avoid the potential negative consequences of stolen financial data. While you should definitely consider enrolling in the free data protection and identity theft coverage offered by Equifax, there are additional steps you can take to protect yourself. If your data has been compromised -- or you’re worried it might be -- here are a few ways to safeguard your finances.
In its 18 years of operation, CreditSoup has watched the credit industry evolve in numerous ways. CreditSoup actually has its own free score check, which can provide you with your score without any hassle or impact to your score. Making important financial decisions can be an area of serious stress and concern for many individuals. We’re eager to take any opportunity to alleviate these concerns and be that helping hand to guide our customers through these decisions with ease.
Growing up during the last major recession means that today’s millennial college entrepreneurs are already in the savings mindset. Knowing where they are going and what they want means that millennials are also empowered to say no to paying too much or relying on credit too often. That’s why this new breed of young entrepreneurs are constantly on the lookout for money-saving tips.
If you're a business owner, it's likely you'll need financing at some point. Perhaps you need cash to get your business off the ground, or maybe you have plans to expand and need to hire new staff or add new equipment. For many business owners, however, securing a business loan through a bank is the most viable option. But asking the bank for money isn't easy, and about 80 percent of small business loan applications are rejected. Before stepping foot in a bank, take a look at a few things that can help improve your chances of getting a loan.
Top Offers:
- Credit Recommended:
- Average, Fair, Limited
- Balance Transfer Fee
- $0 at this Transfer APR
- Fraud Coverage
- You're covered by $0 Fraud Liability if your card is ever lost or stolen
- Credit Recommended
- Average, Fair, Limited
- Annual Fee
- $0
- Foreign Trans Fee
- None
- Regular APR
- 26.99% (Variable)
Highlights
- No annual or hidden fees. See if you're approved in seconds
- Be automatically considered for a higher credit line in as little as 6 months
- Help build your credit through responsible use of a card like this
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- Monitor your credit score with CreditWise from Capital One. It's free for everyone
- Get access to your account 24 hours a day, 7 days a week with online banking from your desktop or smartphone, with Capital One's mobile app
- Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set
- Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
- Credit Recommended:
- Fair/Bad
- Regular APR
- See Terms
- Annual Fee
- See Terms
- Balance Transfer
- N/A
Apply Now
On the First Access Visa® Card secure website
- Credit Recommended
- Fair/Bad
Highlights
- Checking Account Required
- Reporting monthly to all three major credit reporting agencies
- Perfect credit not required for approval; we may approve you when others won’t
- Easy and secure online application
- $300 credit limit (subject to available credit)
- The First Access Visa Card is issued by The Bank of Missouri pursuant to a license from Visa U.S.A. Inc.
Editorial Disclaimer: Information in these articles is brought to you by CreditSoup. Banks, issuers, and credit card companies mentioned in the articles do not endorse or guarantee, and are not responsible for, the contents of the articles. The information is accurate to the best of our knowledge when posted; however, all credit card information is presented without warranty. Please check the issuer’s website for the most current information.