Theres not a one-size-fits-all solution for the number of credit cards a person should own. However, its generally a good idea to have two or three active credit card accounts, in addition to other types of credit such as student loans, an auto loan or a mortgage. Just remember: The number of credit cards you … Read more
In times of financial hardship, paying a mortgage with a credit card can help you buy some time and even give you the option to pay off a single mortgage payment over several months. Using a credit card to pay your mortgage can also help you get a lot of rewards or a big welcome … Read more
With interest rates decreasing, many homeowners can refinance and reduce their monthly payments. If you purchased within the past couple of years, current rates are likely lower than when you took out your mortgage. But how much should you save with a refinance to make it worthwhile? Is it worth refinancing to save $50, $100, … Read more
âPre-qualificationâ and âpre-approvalâ are terms that can apply to credit cards and various types of loans, including mortgages and car loans. The specific differences between the terms may vary depending on the lender and the type of loan. But for credit cards, both terms typically mean that an initial lender review suggests youâre likely to … Read more
If your debt is in collections, you may have wondered whether debt collectors are allowed to blacklist you. The answer? Yes and no. Debt collectors are allowed to send you letters of demand and request a judgment against you. It’s illegal for them to do this, so no creditor will lend you money because you’ll … Read more
You may have heard that account balances “fall off” your credit report after seven years, leaving you with no old debts to pay. Since so much time has passed, you may be ignoring those calls to pay an old credit card or medical bill because you think you’re out of trouble. But while it’s true … Read more
Hey there, dreamer! Ever pictured yourself unlockin’ the door to your very own home, but thought, “Nah, I ain’t got the cash or the credit for that”? Well, lemme tell ya, the FHA Loan Program might just be the key you’ve been lookin’ for If the idea of owning a place feels outta reach, stick … Read more
Do Credit Cards Check Your Bank Balance? Demystifying a Common Concern Get a new credit card can be an exciting and confusing process. As you fill out the application, you might wonder if the credit card company checks your bank account. It’s a fair question After all, credit card companies request a ton of sensitive … Read more
Full-size luxury SUV Hill Descent Assist, Pedestrian Detection, and Wireless Charging are some of the features of the 2026 BMW X5. Leasing the BMW X5 can be a good option through a variety of lease deals, options, and packages. It is estimated that the BMW X5 lease payment is $1,170 per month, with $2,000 due … Read more
Your car’s down payment affects your loan amount and monthly payment and can even change what auto loan terms you qualify for. How much of a down payment do you need to buy a car? The Guides Auto team will help you understand your choices and find the best auto loan rates. Putting down $5,000 … Read more