Buyer’s regret happens to the best of us. Perhaps you are not as in love with your purchase as you thought, or the item is defective. With that in mind, this is why credit card issuers allow for credit card refunds. Making a return on a purchase is a relatively straightforward process, as long as … Read more

Credit utilization is one of the most important factors contributing to your credit score. Your credit utilization ratio refers to how much available credit you have at a given time. Credit utilization is critical because it signals to lenders whether you can use credit responsibly and pay your debts. In fact, credit experts say that … Read more

The majority of Americans have credit cards and utilize them regularly. When paying your credit card balance, sometimes an overpayment on your account can happen, and people are left wondering, “What happens if you overpay your credit card”? This article will explain what an overpayment is, why it happens, and what to do about it. … Read more

A credit limit is the maximum amount of money you can borrow on your credit card. It is an essential factor in determining your credit score because it’s used to calculate your credit utilization ratio. The card carrier determines your initial credit limit, but they may offer you a higher credit limit or automatically increase … Read more

For many of us buying a car is the second largest purchase that we’ll ever make. Since it often requires financing, it’s been compared to buying a home — which is commonly our first largest purchase in terms of total dollars spent. So you likely question yourself, “Can I buy a car with a credit … Read more

Making large purchases can be daunting. But if you have the best credit cards for large purchases, you can reduce the stress of juggling finances together for a large purchase and earn valuable rewards as well! In this article, we’ll be looking at a selection of the best credit cards that can be used for … Read more

High limit credit cards can be a valuable tool if used responsibly. Use these cards to maximize rewards when making an expensive purchase. Credit cards are a great tool to keep in your wallet — as long as you don’t max out your limit. And this is where high limit cards can come in! Any … Read more

Choosing the best checking account can feel like finding a needle in a haystack. With so many online options available today, you have many options for no-fee accounts. But what if you want something more, like cash back? That’s also possible with accounts like Upgrade’s Rewards Checking Plus account. Upgrade has been around since 2016, … Read more

For a lot of families, credit cards have become critical for managing expenses and sorting out finances. If you’re a parent juggling the costs of food, school, soccer practice, and many more activities, a credit card is perfect to stretch out your budget and make it work. However, with so many credit cards out there, … Read more

The Upgrade Select Visa may be a good option if you’re looking for a credit card that won’t nickel and dime you to death in fees or interest. In this Upgrade Select Visa review, I’ll help you understand how this credit card/personal loan works and how it can help improve your credit when used correctly. … Read more