Frequently Asked Questions About Credit

Credit Cards 101: How to Use Them Responsibly Learn the basics of credit cards, including the fees, rewards, perks, and credit-building capabilities that come with them. Dan Miller Simon Zhen How to Pay Someone Else’s Credit Card Bill You may come across a situation where you are asked to help pay someone else’s... Thomas (TJ) Porter How to Find the CVV on Your Debit and Credit Cards When you want to use your credit or debit card to make a purchase online, you need... 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. Thomas (TJ) Porter What to Do If Your Balance Transfer is Denied Learn what steps you should take after you find out that a balance transfer request was denied, whether from a new or existing card issuer. Kevin Mercadante Kevin Mercadante Chase Ink Business Credit Cards: Does the 5/24 Rule Apply? Chase, one of the largest banks and credit card issuers in the United States, has... Kevin Mercadante Business Credit Card vs. Corporate Credit Card: What are the Differences? Business credit cards versus corporate credit cards – they sound much like the... Can Credit Cards Help You With Trips Cancelled Due to Coronavirus? Simon Zhen How to Change Your Credit Card Billing Address Learn how to change your billing address with your card issuer and find out what happens if you provide the wrong billing address. Valencia Patrice Higuera Geoff Williams Can You Transfer Credit Card Debt to Someone Else? If you're struggling with credit card debt and someone is willing to help you out,... Lance Cothern Can Credit Card Reward Points Be Transferred Upon Death? Credit card rewards are a great way to earn a bit from the money you already... Expiration Dates: Why Credit Card and Debit Cards Have Them Learn why credit cards and debit cards have expiration dates, including how it is essential for protecting consumers and merchants alike. Valencia Patrice Higuera 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. Thomas (TJ) Porter Geoff Williams Small Business Loan vs. Business Credit Card: Compare the Pros & Cons If you're new to the business world, you might assume that a small business loan... 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... What is the Average Credit Limit for Business Credit Cards? Find out what the average credit limit is for a small business credit as it could affect your everyday ability to pay for business expenses. Thomas (TJ) Porter 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. Thomas (TJ) Porter Kathryn Tretina What Is a Credit Card Grace Period? Whether you just got your first credit card or are a credit card veteran, you may... Valencia Patrice Higuera Should You Get a Secured Business Credit Card? A business credit card can simplify your business life. It’s a convenient way to... 10 Reasons Why You Were Denied a Business Credit Card Learn why you were denied a business credit card, which may offer big rewards on your business expenses. Find out what you can do to get approved. Valencia Patrice Higuera Business Credit Card vs. Business Debit Card: Compare the Pros and Cons Compare the pros and cons for using a credit card and debit card to pay for business expenses because they can affect cash flow and the bottom line. Lance Cothern Lance Cothern What is a Credit Card Hardship Program and Do You Qualify? If you’re staring at your credit card bills and wondering how you’re going to make... Kevin Mercadante Credit Card Piggybacking: How It Works to Help Build Credit Credit card piggybacking may sound like something immoral, and possibly even... Should You Use a Personal Credit Card for Business Expenses? Find out whether you should use a personal credit card to pay for business expenses, including better options that may protect your business and earn rewards. Thomas (TJ) Porter How to Calculate Net Annual Income for Credit Card Applications Learn how to calculate the net annual income that you have to provide on credit card applications as it is important for determining whether you get approved. Thomas (TJ) Porter Rebecca Lake Rejected for a Student Credit Card Application? 3 Alternatives to Consider A student credit card can help you build credit in college. Getting one can be... Kevin Mercadante 4 Reasons Why You're Missing a Credit Card Sign-Up Bonus Sign-up bonuses are one of the main reasons people choose a credit card. A good... Why You Can’t Buy a Car with a Credit Card Find out why you can't buy a car with a credit card to lock in a lower APR (0% introductory offer) or to earn rewards on a large auto purchase. Thomas (TJ) Porter How Old Should Your Children Be to Get Their First Credit Card? Find out how old your children should be when they get their first credit card to begin building their credit score and learning how to manage debt responsibly. Valencia Patrice Higuera