Credit limit is the total amount you can charge, while available credit is the unused amount within your limit. The products shown on this page are mostly or entirely from our advertising partners. They pay us when you click on one of their links and then do something on our site. However, this does not … Read more
One of the most stressful aspects of using a credit card is racking up a high balance. There are many reasons that you may have a high balance, including large unexpected bills or home and auto repairs. Or maybe you just really wanted a new couch, and it hit your wallet hard. A lot of … Read more
The American Express® Centurion Card holds cult celebrity status, even among other premium credit cards. Colloquially known as the “Black Card,” this prestigious credit card is only available to big spenders by direct Amex invitation. If youre curious about this mythical card wielded by A-list celebrities worldwide, read on to learn more. Hey there, folks! … Read more
Credit checks coming from lenders are reported to the credit reporting companies as an “inquiry. ” An inquiry typically has a small negative effect on your credit scores. Inquiries can be seen by other lenders when they check your credit. Inquiries tell other lenders that you are thinking of taking on new debt. An inquiry … Read more
You’ve got some super and you’ve got a mortgage. Your super is yours and you want to pay-off your mortgage. Paying off your mortgage is a dream for many homeowners. It must be nice to finally own your home and not have to pay a mortgage every month after years of payments. If you have … Read more
Hey there folks! If you’re wonderin’ whether Wells Fargo uses TransUnion when you apply for a credit card or other financial goodies, you’ve landed in the right spot. At CreditSavvy Hub we’re all about breakin’ down the nitty-gritty of credit stuff so you ain’t left scratchin’ your head. So, does Wells Fargo use TransUnion? Short … Read more
A personal loan comes as a lump sum of money that you can use for almost anything. Your payments will be the same each month, and you might still qualify with less-than-perfect credit. Still, personal loans aren’t always the cheapest way to borrow and they don’t make sense for ongoing expenses. Knowing the pros and … Read more
In the past, making a payment or admitting that you owed the money could start the clock on the limitations period all over again. This created a problem where the statute of limitations could be constantly restarted. The issue is often referred to as “zombie debt. “. In 2019, changes in the law aimed to … Read more
Many of us would like to leave behind something to our heirs. But first, we need to fund our own lives in retirement, and that can sometimes seem nearly impossible. This article explores average inheritance numbers. Do you expect to be above or below average?. Hey there, fam! If you’ve ever wondered, “What’s the average … Read more
Theres not a one-size-fits-all solution for the number of credit cards a person should own. But it’s usually a good idea to have at least two or three credit card accounts open at the same time. You should also have other types of credit, like student loans, an auto loan, or a mortgage. Just remember: … Read more