Frequently Asked Questions About Credit

Why Your Credit Card Application Was Rejected Learn more about why your credit card application was rejected and what you can do, including customer service phone numbers to call for reconsideration. When Are Credit Card Annual Fees Charged? Photo of Christina Majaski Christina Majaski When Are Credit Card Annual Fees Charged? Many credit cards have annual fees, especially travel credit cards and premier... Are Credit Card Rewards and Cash Back Taxable? Photo of Christina Majaski Christina Majaski Are Credit Card Rewards and Cash Back Taxable? For many of us, tax time brings a number of surprises. Although we expect to pay... Why Don't Landlords Accept Credit Card Payments for Rent? Find out why your landlord or property manager won't accept credit cardc as a form of payment for your rent and prefer cash or check. Can You Use U.S. Credit Cards in Cuba? Find out whether credit cards can be used and learn how you can pay for things during your trips to Cuba, which is becoming a very popular travel destination. Should I Get an Unsecured Credit Card? Photo of Caroline Banton Caroline Banton Should I Get an Unsecured Credit Card? Most people would prefer to qualify for an unsecured credit card because there is... How Can You Get Cash From a Credit Card? Photo of Rebecca Lake Rebecca Lake How Can You Get Cash From a Credit Card? An emergency fund can be a lifesaver when you need cash quickly. If you haven’t... Can You Load a Prepaid Card With a Credit Card? Prepaid cards are like debits cards without the checking account. If you have a credit card, it is generally not allowed for reloading a prepaid card. How Secure is Chip-and-PIN Authentication? Chip-and-PIN credit cards and debit cards are considered safer than traditional magnetic strips. See how secure they really are to protect from fraud. How Much Does It Lower Your Credit Score to Check Your Credit? Photo of Kali Hawlk Kali Hawlk How Much Does It Lower Your Credit Score to Check Your Credit? It’s wise to keep an eye on all aspects of your financial life, including both... How To Transfer Money From A Credit Card To A Bank Account Photo of Talia Koren Talia Koren How To Transfer Money From A Credit Card To A Bank Account At some point in your life, you may be in a financial situation where cash is the... What Is Chip and PIN Authentication? Discover everything you need to know about chip and pin, along with how it can protect you from fraud. What is Statement Credit on Your Credit Cards Monthly Statement Learn more about statement credit. We explain how you can get it and how it can benefit card holders. Along with some common concerns with statement credit. What Is a Credit Card Check? Photo of Kali Hawlk Kali Hawlk What Is a Credit Card Check? Have you ever received blank checks from your credit card issuer? These... How Do Credit Card Payments Work? Photo of Kali Hawlk Kali Hawlk How Do Credit Card Payments Work? How many times after receiving a credit card statement in the mail have you... What Is a Credit Utilization Ratio? If you’ve been looking at your credit report, you’ve probably seen the term credit utilization ratio. Here’s what it is and how it can impact your credit score. What is a Medical Credit Card? To help pay for expensive health care, you can use a medical credit card to make it more manageable. You'll get promotional financing before interest kicks in. Virtual Credit Card Account Numbers: What You Need to Know Photo of Simon Zhen Simon Zhen Virtual Credit Card Account Numbers: What You Need to Know Image Credit | https://unsplash.com/photos/xzNXkB8oJRU Virtual account numbers are... How to Build Credit Scores Without Getting a Credit Card Photo of Thomas (TJ) Porter Thomas (TJ) Porter How to Build Credit Scores Without Getting a Credit Card The Fair Isaac Corporation may not be a household name, but their flagship... How to Maximize Credit Cards Rewards Using Multiple Cards Get the most rewards and cash back by using more than one credit card. With multiple cards, you can maximize the rewards on different categories of purchases. Which Bank is Best for Getting a Credit Card There are hundreds of credit cards from many banks, credit unions, and card issuers. Find the best bank when you looking to apply for a credit card. 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... Do You Really Have to Show ID When Using Your Credit Card? Photo of Simon Zhen Simon Zhen Do You Really Have to Show ID When Using Your Credit Card? In a MyBankTracker story about the antiquated process of signing your name after... MasterCard vs. Visa: Which Has Better Concierge Service? Personal concierge services help you with shopping, travel and entertainment. See how MasterCard and Visa Signature concierge performed on our requests. Why You Didn't Get Your Credit Card Rewards Don't get cheated from your credit card rewards because the purchase wasn't in the right category. See what you can do to make sure that you get your rewards. Can Anyone Get a Business Credit Card? Photo of Rebecca Lake Rebecca Lake Can Anyone Get a Business Credit Card? If you're a business owner, using a rewards card to cover expenses can save you a... How Do Credit Cards Work Photo of Simon Zhen Simon Zhen How Do Credit Cards Work 1. What is a Credit Card Credit cards are a way to borrow money from a bank or... Why Virtual Credit Card Numbers Aren't Worth It Virtual credit card numbers can deter identity thieves from stealing your banking information but they can also making shopping online more problematic. 4 Reasons to Have a Travel Credit Card With an Annual Fee When you're figuring out if a credit card's annual fee is worth it, consider the value of the perks, in addition to the rewards program.