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CREDIT CARD QUESTIONS ANSWERED


How Many Credit Cards Should You Have? And More Credit Card Questions Answered

There’s no universal answer when it comes to how many credit cards you should have. Like most financial decisions, the correct number of credit cards depends on your financial profile, which is based on your income and financial objectives. Ultimately, many different factors will help determine how many credit cards you should have, and when you should or shouldn’t open them. This guide covers some of the major factors to consider. Should You Have More Than One Credit Card? You should have more than one credit card if you are unable to cover your financial needs with only one. However,…

How To ‘Erase’ Credit Card Annual Fees

Update: Some offers mentioned below may have changed or are no longer available. View current credit card offerings from our partners at CardCritics Here or on the issuer’s website. According to a Federal Trade Commission report, annual fees on credit cards have been increasing steadily over the years. The average annual fee in 2020 was $94 per card, according to the FTC report. Higher fees might be more and more difficult for some cardholders to justify. But despite the upward trend in annual fees, many credit cards come with some excellent perks. In fact, credit cards can have such lucrative benefits that…

How Many Credit Cards Do You Need To Get a Higher Credit Score?

Your credit score is the product of a complex algorithm that factors in numerous variables. The number of credit cards you have is a portion of that mix, but it’s not one of the most important. In fact, the actual number of your credit cards is practically irrelevant compared to the big movers of your credit score, like how you use them. Here’s a look at what exactly goes into a credit score, along with an explanation of what you need to do to get or maintain top-tier credit. Get Started: Make a Debt-Free Future Your Reality Credit Score:90-Second Moves…

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Top Purchases You Should Always Make With a Credit Card

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10 Things Most Americans Don’t Know About Credit Cards

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Disney, Costco, Amazon & More: 7 Co-Branded Credit Cards Worth Considering

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Should You Pay Off Your Credit Card Balance Every Month?

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MORE ABOUT CREDIT CARDS


New Survey Reveals What Americans Hate Most About Credit Cards

Update: Some offers mentioned below may have changed or are no longer available. View current credit card offerings from our partners at CardCritics Here or on the issuer’s website. Credit cards have many benefits, from providing a financial cushion in case of emergencies, to helping build credit scores to accumulating rewards and perks. While there are endless cards to choose from, there is one aspect many Americans agree on:  Annual membership fees are the worst, according to a new survey. Important: Why It’s a Bad Move To Use the Same Credit Cards Indefinitely The new GOBankingRates survey, which questioned over 1,000 Americans, found…

How To Cancel a Credit Card Without Hurting Your Credit Score

There are plenty of reasons to cancel a credit card. However, you should understand what canceling will do to your credit score, because canceling can have a negative impact. Canceling requires more than just cutting up the card and throwing it out to keep your score intact. The good news is you can minimize the damage or, in some cases, avoid it entirely if you decide to cancel. Here’s how you can make that decision and how to cancel a credit card without damaging your credit score. Reasons To Cancel a Credit Card Any number of circumstances might warrant canceling…

Should I Contribute To My 401(k) or Pay Off My Credit Card Debt?

It’s been over a decade since the Great Recession swept through the nation, yet two-thirds of Americans said they still feel haunted by its effects in the way they work, live, save and spend, according to a study from Allianz Life Insurance Co. Many of the 2,000 baby boomers and Gen X-ers studied also said they had lower confidence in their ability to achieve financial security. This has only been worsened by the coronavirus pandemic and its affect on unemployment in the U.S. See: 20 Investments That Are Recession-Proof Important: Why It’s a Bad Move To Use the Same Credit Cards…

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This Toyota Vehicle Is the Best New Car on the Market, According to Experts

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Homebuyers Are Optimistic That Mortgage Rates Will Improve — But Do Experts Think It Be Easier to Buy A House in 2024?

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Items Bought Secondhand That Later Sold for Millions — What to Look For 

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This Trend Could Help More Americans Afford Homeownership in 2024

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How to Put $20 a Day Toward a Million-Dollar Retirement

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CD Rates Today: January 11 — Earn 5.56% APY

Freedom.

9 Places Giving Away Land or Money To Move There

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How Much Money Do You Need Saved to Live Entirely off Interest?

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CD Rates Today: January 10 — Earn 5.25% APY

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Ready To File Your Taxes? Wait for These Two Tax Breaks

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Social Security: When You Do and Don’t Need to File Taxes for SSI Benefits in 2024

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Americans Moved To This Southern State in Droves — How Much Does It Cost to Live There?

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CD Rates Today: January 9 — Earn 5.35% APY

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IRS Announces Jan 29 as Kickoff to 2024 Tax Season — 5 Things You Must Know

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This Common Retirement Plan Could Help High Earners Save More Than a Traditional 401(k) — Here’s How

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These 10 Used Cars From the 2000s Are Surprisingly Reliable

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CD Rates Today: January 8 — Earn 5.50% APY

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It May Be Time to Sell Your I Bonds — Use The Cash For These Investments Instead

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These Are the 5 Most Fiscally Responsible Ways to Spend Your Annual Bonus in 2024

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CD Rates Today: January 5 — Earn 5.40% APY

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Where Will the Housing Market Settle in 2024? 5 Experts Make Bold Prediction

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Student Loan Forgiveness ‘Buyback’ Program Could Offer More Relief to Borrowers — Do You Qualify?

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10 Used Cars to Avoid Buying in 2024

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Social Security: This Poorly Understood Rule Could Reduce Your Benefits — What You Need To Know

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CD Rates Today: January 4 — Earn 5.50% APY

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Here Are the New IRS Tax Brackets for 2024 — What Does The Change Mean For You?

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How Much Does It Cost To Attend One of 2024’s Best Colleges?

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Are You Overtipping? Save More in 2024 With 5 Expert Examples of When It’s Ok To Skip

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No More Free Returns? What This Means for Unwanted Gifts

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CD Rates Today: January 2 — Earn 5.27% APY

The Paley Center Honors Celebrating Women in Television Presented by Verizon, New York, USA - 17 May 2017

Save Money on Home Renovation: Why 2 Rooms Are Recommended First by HGTV Expert

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CD Rates Today: January 1 — Earn 5.51% APY

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CD Rates Today: December 29 — Earn 5.25% APY

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10 Cars That Actually Appreciate in Value — Is One in Your Garage?

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CD Rates Today: December 28 — Earn 5.60% APY

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These 9 Cars Just Became Available to Import in 2024 — How Much Does It Cost?

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Retirees Are Returning to Work — Here’s Why

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Retire Long Before FRA With This Simple, Time-Tested Method — How $500 a Month Can Help You Reach Your Financial Goals

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The 20 Most-Researched Vehicles in 2023 and What They Provide for Your Money

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CD Rates Today: December 27 — Earn 5.50% APY

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27 States and Cities Pay the Most for Takeout — Is Yours on the List?

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Grant Cardone Predicts ‘Epic’ Real Estate Correction

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Up to 50% of Pre-Retirees Don’t Understand the Basics of Working While on Social Security

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Social Security: 3 Ways AI Could Improve This Outdated System

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CD Rates Today: December 26 — Earn 5.50% APY

How To Boost Your Social Security Benefit With Supplemental Security Income

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Dave Ramsey: ‘It’s a Really Weird Time To Buy’ a Home — Here’s Why You Still Should

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CD Rates Today: December 25 — Earn 5.45% APY

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Is Now a Good Time To Refinance Your Mortgage With Interest Rate Hikes Paused?

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CD Rates Today: December 22 — Earn 5.50% APY

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Retirement 2024: 10 Money Moves to Make Right Now if You Want to Retire Early

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CD Rates Today: December 21 — Earn 5.65% APY

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CD Rates Today: December 20 — Earn 5.51% APY

A woman looks sad and frustrated as she goes through her bills.

Student Loans: How To Get a Late Payment Removed From Your Credit History After a Billing Error

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CD Rates Today: December 19 — Earn 5.50% APY

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How Restarting Student Loan Payments Will Benefit Your Taxes

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CD Rates Today: December 18 — Earn 5.65% APY

4 Reasons Autopay Is Bad for Your Financial Health

21st Century Fox and The Washington Post Present the World Premiere of 'THE POST', Washington DC, USA - 14 Dec 2017

Warren Buffett Says To Do These 5 Things Before a Recession Hits

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I’m a Financial Planning Expert: How Retired Millionaires Maintain Their Wealth

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The Living Wage a Single Person Needs in All 50 States

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Mortgage Rates Fall Below 7% — Here’s Why Buying a House Still Won’t Be Easy

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CD Rates Today: December 15 — Earn 5.50% APY

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CD Rates Today: December 14 — Earn 5.51% APY

Shot of a senior man looking stressed while doing the household finances on a laptop in his kitchen.

Social Security: Nearly Two-Thirds of Seniors are Unhappy with 2024 COLA — 3 Reasons It’s Financially Inadequate

Mandatory Credit: Photo by MICHAEL REYNOLDS/EPA-EFE/Shutterstock (14183177l)US Federal Reserve Chair Jerome Powell arrives to attend a meeting of the Financial Stability Oversight Council at the United States Treasury Department in Washington, DC, USA, 03 November 2023.

Will Today’s Interest Rate Pause Help the Housing Market in 2024?

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CD Rates Today: December 13 — Earn 5.50% APY

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CD Rates Today: December 12 — Earn 5.56% APY

Mandatory Credit: Photo by JIM LO SCALZO/EPA-EFE/Shutterstock (14026544f)US Chair of the Federal Reserve Jerome Powell departs following a meeting of the Financial Stability Oversight Council to discuss an update on the council's Climate-related Financial Risk Committee and an update on the transition from the London Interbank Offered Rate (LIBOR) at the Treasury Department in Washington, DC USA, 28 July 2023.

Why the Fed Could Cut Interest Rates in Spring 2024, According to Experts

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CD Rates Today: December 11 — Earn 5.75% APY

Generational Wealth: 7 Reasons to NOT Leave the Family Home to Your Children

Warren Buffett

Warren Buffett: 3 Investments He Won’t Waste Money On

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8 High-Paying Jobs That Are Not Future-Proof and May Be at Risk

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Earn an Extra $100 Before Bed: 6 Quick Nightly Side Gigs

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Americans Plan for ‘Living Practically’ in 2024 — 4 Financial Resolutions They’ll Be Making in the New Year

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CD Rates Today: December 8 — Earn 5.55% APY

Mandatory Credit: Photo by Shutterstock (14233244u)United States President Joe Biden makes remarks on actions to strengthen supply chains in the Indian Treaty Room in Washington, DC,.

Biden Claims Opposition Will Cut Social Security by 13% — But Doing Nothing Would Slash Benefits by 23%

Single family house on pile of money.

Housing Market 2023: Prices Continue on Downward Trend, Here’s What That Means

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CD Rates Today: December 7 — Earn 5.55% APY

Mandatory Credit: Photo by Shutterstock (14247175y)United States President Joe Biden delivers remarks urging the US Congress to pass his national security supplemental request, including funding to support Ukraine and the border in the Roosevelt Room of the White House in Washington, DC.

Student Loan Forgiveness: Biden To Wipe Another $4.8 Billion in Debt — Are You Among the 80,300 Who Qualify

Woman smiles while checking paperwork.

CD Rates Today: December 6 — Earn 5.50% APY

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CD Rates Today: December 5 — Earn 5.75% APY

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Gold Prices Reach All-Time High — Should You Invest Now?

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CD Rates Today: December 4 — Earn 5.75% APY

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5 Investment Moves to Make Now In Case There Is a Santa Claus Rally in 2023

New York, United States - May 19, 2016: Glass building of the Apple Store with huge Apple Logo at 5th Avenue near Central Park.

Apple Seeks to End Savings & Credit Card Partnership With Goldman Sachs — What Will Happen to Your Accounts?

Barbara Corcoran

Barbara Corcoran: Buying a $320 Coat Was ‘The Best Investment I Ever Made’

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CD Rates Today: December 1 — Earn 5.64% APY

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CD Rates Today: November 30 — Earn 5.60% APY

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CD Rates Today: November 29 — Earn 5.51% APY

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These 7 Jobs That Will Be Gone Because of AI Will Shock You

Mandatory Credit: Photo by Nati Harnik/AP/Shutterstock (9665074ab)Berkshire Hathaway Vice Chairman Charlie Munger smiles during an interview in Omaha, Neb.

Charlie Munger: A Look at the Fortune and Legacy of Warren Buffett’s Right-hand Man

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CD Rates Today: November 28 — Earn 5.50% APY

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Pros and Cons of Cutting Social Security’s Windfall Elimination Provision

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CD Rates Today: November 27 — Earn 5.55% APY

A stack of one hundred dollar bills in a money wrapper labeled "Student Loan" on top of a blue graduation cap.

If I Pay Off My Kid’s Student Loan Will That Trigger a Gift Tax?

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CD Rates Today: November 22 — Earn 5.75% APY

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CD Rates Today: November 21 — Earn 5.60% APY

Xinhua Headlines: America in Deepening Political Fissures One Year After Capitol Riot - 26 Nov 2021

6-Figure Earners are Shopping at Dollar Stores – Here’s What They Are Buying

Happy business woman working at a cafe on a laptop and looking at the camera smiling.

CD Rates Today: November 20 — Earn 5.70% APY