Credit Advice

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Credit Card Approval Insights

Each week, we receive dozens of comments on applying for loans and credit card. The most common question involves why a member was declined even though their credit score appeared high enough for approval based on the credit scores of other members....More

77 Comments| Share| October 28, 2009

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The Relationship Between Your Credit Score and Credit Limit

The influence of credit score on credit limit works on a feedback loop: credit score influences credit limit, and a consumers' total credit available, which is the sum of their credit limits, can impact a credit score up or down....More

40 Comments| Share| July 31, 2009

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The first step to rebuilding your credit – Secured Credit Cards

A secured credit card can be a significant stepping stone in managing your credit health. There are many secured cards out there, so shop wisely, read the fine print, and - as always - use the card responsibly and pay on-time....More

22 Comments| Share| July 20, 2009

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Comparing Credit Cards Is Vital With Poor Credit

The bottom line is that just because you have bad credit, it doesn't mean you should have to pay exorbitant fees. Be informed and make sure you compare products before you make your next financial purchase....More

23 Comments| Share| March 14, 2009

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Credit Card Utilization and Average Credit Scores

Every credit score improvement article suggests that consumers should not have a high credit card utilization rate. (Defined as: total credit card balances / total credit card limits). Often the recommendation is the lower the credit card utilization rate...More

76 Comments| Share| January 02, 2009