Articles by Thomas (TJ) Porter

TJ Porter has in-depth experience in reviewing financial products such as savings accounts, credit cards, and brokerages, writing how-tos, and answering financial questions. He has also contributed to publications and companies such as Investment Zen and Echo Fox. He aims to provide actionable advice that can help readers better their financial lives. Education: B.S. in Business Administration, Concentration in Information Systems from Northeastern University.

What is a Credit Card Penalty APR? Learn all about credit card penalty APRs, which may apply to accounts that have a missed payment for an extended period of time. What Are Credit Card Points and Miles Worth? Photo of Thomas (TJ) Porter Thomas (TJ) Porter What Are Credit Card Points and Miles Worth? Rewards credit cards, airline frequent flyer programs, and hotel rewards... Can Your Credit Card Company Raise Your APR Out of Nowhere? Photo of Thomas (TJ) Porter Thomas (TJ) Porter Can Your Credit Card Company Raise Your APR Out of Nowhere? When you get the notice that your credit card interest rate is increasing, it's... Should You Finance the Purchase of a New Laptop? Find out whether it is a good idea to finance the purchase of a new laptop, if you have other financing options available, and other ways to get a laptop. Credit Card Travel Alerts: How to Set Them (and Why You Might Not Need To) Learn how to set credit card travel alerts to avoid denied purchases when you use your credit card on trips. How to Calculate Net Annual Income for Credit Card Applications Photo of Thomas (TJ) Porter Thomas (TJ) Porter How to Calculate Net Annual Income for Credit Card Applications When you apply for a new credit card, you’ll have to fill out a form that provides... Can You Get a Business Credit Card with Only an EIN? Photo of Thomas (TJ) Porter Thomas (TJ) Porter Can You Get a Business Credit Card with Only an EIN? Business credit cards are an easy way for companies and small businesses to... Which Credit Cards Provide Card Numbers Instantly After Approval? Find out which credit cards provide card numbers instantly after approval for the immediate ability to make purchases online or through a mobile wallet. Is Zero Percent Credit Card Financing Worth the Risk? A Guide to the Zeros Advertising touts the benefits of zero percent financing: seeming to get something for nothing. But that “nothing” carries big risks. Which Bank is Best for Getting a Credit Card Photo of Thomas (TJ) Porter Thomas (TJ) Porter Which Bank is Best for Getting a Credit Card If you’re looking for a credit card you might be overwhelmed by the sheer number...