3 Key Considerations for Improving Your Credit Score

If you’re looking to reap the rewards of some of the top credit card offers, it’s not as simple as filling out that pre-approved application that landed in your mailbox. In fact, pre-approved doesn’t even mean you’re really approved. Instead, the bank will still conduct a thorough review of your personal finance history to determine…

Can I Use Promotional Checks to Meet Spending Requirements?

TPG reader Christiaan sent me a message on Facebook to ask about cash advances: “I just got some 0% APR promotional checks from my new Southwest card. Can I use those checks to help me meet the spending requirement for the sign-up bonus?” There are plenty of credit cards that come with an introductory 0% APR on…

Simple Steps To Avoid Falling Victim To Credit Card Fraud

Your credit card may offer a wide range of perks — cash-back bonus opportunities, travel rewards points, car rental insurance coverage and more. However, paying with plastic also comes with the potential for one big downside: fraud. According to recent research from electronic payment company ACI Worldwide, nearly 33 percent of consumers have experienced card…

How Do Charge Cards Affect My Credit Score?

TPG reader John emailed me to ask about credit scores: “How do charge cards like Amex Platinum affect my debt-to-credit ratio? I know the limit doesn’t show up on my credit report, but what about the balance?” Your debt-to-credit ratio (also known as your utilization ratio) represents the balance on your credit accounts in relation to your total credit line (for each…

How Important Is Maintaining My Credit Utilization Ratio?

TPG reader Richard sent me a message on Facebook to ask about managing his credit score: “My travel has decreased significantly, and I’m thinking about canceling several hotel-branded cards with annual fees. Should I replace them with other cards that have no annual fee in order to maintain a low debt-to-credit ratio?” Your debt-to-credit ratio (also known as your…

10 Reasons You Can Be Denied for a Credit Card and What You Can Do About It

No one likes rejection — least of all when it keeps you from earning a valuable sign-up bonus from a travel rewards card. While there are several circumstances in which you may be denied for a credit card application, there are often ways to appeal that decision, as TPG Contributor Akash Gupta explains below. “After…

Now You Can Check Your FICO Score for Free with Discover

One of the quickest ways to get your feet wet in the points-and-miles hobby is by taking advantage of credit card sign-up bonuses. However, before you can even start thinking about signing up for credit cards, there are some vital pieces of information you need to know and understand about your credit. Identifying your credit score can sometimes…

Capital One Introduces Credit Tool That’s Available to Everyone

Your credit score is one of the most important numbers associated with your name. And with credit cards being one of the easiest and quickest ways to earn points and miles, it’s extremely important that you monitor your credit score and keep it in good standing. Actually obtaining your credit score has been somewhat difficult in…

Which Credit Factor is More Important to My Overall Score?

TPG reader Kevin emailed me to ask about credit scores: I have two conflicting dings on my credit report: a low average age of accounts, and a low number of accounts. If I add more accounts, the average age will go down, so will it help me or hurt me overall? For people without a lengthy credit history, building…