Credit Cards

If you are struggling to qualify for a traditional mortgage or save up for a home down payment, you may be wondering if you can use a credit card instead. You can technically buy a house with a credit card, but this path will come with significant hurdles and risks.

If you have a plastic card, use a sturdy pair of scissors to cut it into pieces. If you have a metal card, have your card issuer handle it. Note that destroying the card does not mean the account itself is closed.

If you want to upgrade from a secured credit card to an unsecured credit card, there are two basic paths you can take.

Your credit card utilization rate plays a crucial role in your credit scores. The higher your utilization ratio, the worse your credit will be.

If you are a victim of identity theft, you have the right to dispute any unauthorized credit card charges.

There are many types of credit cards in the market. Be aware that some carry more risks than others.

Your debit card may get declined for any number of reasons. To fix a declined debit card, you need to figure out what went wrong with the transaction and go from there.