My Credit Cards Blog

Today credit cards are an essential part of our lives. But, there just seems to be so many companies willing to give us a credit card. So, how can you choose the right credit card for you? The Right Approach Before you have done anything else, you should approach choosing the right credit card for you the same way you would decide on any purchase – you need to find the cheapest, which also serves all of your needs. In making this decision, you need to think about: what do I need to use the credit card for? will I pay my credit card bill in full each month? Both of these, you will find, play an important role in choosing the right credit card for you. What do I need the credit card for? Determining the reason why you need a credit card is vital – because of you don’t need it, maybe you shouldn’t apply for a credit card. Most people need credit cards: to borrow money against, using the credit card like a loan; to pay for their weekly shopping; to make payments on the Internet; to pay for...

You all know that using a credit card, building your credit limit, and paying your balance on time build up your credit score. It’s always a good idea to check up on your credit score every now and then. Well, there is a free service out here called   Credit Karma . It allows to check your Transunion credit score for absolutely free. No credit card sign up and no cancellation requirement. However, this is not the real FICO score, but it gives you a good estimation of where your FICO credit score is. Simply sign up  through the link  , which is completely free for credit score approximation. You will need to give up some personal information such as Social Security in order to access your credit report. Credit Karma stands out in their comparison tools. The visual presentation compares you nationally with your age group, location, etc. Again, this is completely free, and there is simply no trial here. You check as often as you want, and it doesn’t hurt your credit score. A...