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

There's no one-size-fits-all answer when it comes to how many credit cards you should have. Like all financial decisions, the right number of credit cards depends on your personal finance profile, from your income and age to your financial objectives and free cash reserves. However, one thing is for certain — you should never open any credit card account unless you have the financial means to pay it off in full before interest charges accrue. Beyond that, there are a number of different scenarios that will help determine how many credit cards you should have, and when you should or…

How To 'Erase' Credit Card Annual Fees

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 an annual fee might be worth it. We Asked: 90-Second Moves To Raise Your Credit Score 200 Points Portal Update: 10 Things To Do Now If You…

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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Jaw-Dropping Stats About the State of Debt in America

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WASHINGTON, DC - JANUARY 12: Financial adviser, author, and TV personality Suze Orman speaks at a press conference at the National Press Club, January 12, 2012, in Washington, DC.

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Be Smarter With Your Holiday Shopping by Using These 6 Credit Cards

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MORE ABOUT CREDIT CARDS


New Survey Reveals What Americans Hate Most About Credit Cards

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 that annual membership fees took the top spot in two ways: It was the top thing people tried to avoid when signing up, and 36% of those…

How To Cancel a Credit Card Without Hurting Your Credit Score

There are plenty of reasons to cancel a credit card. But canceling can have a negative impact on your credit score, so you'll need to do more than just cut up the card and throw it out if you don't want to ding your score in the process. The good news is you can minimize the damage or, in some cases, avoid it entirely. Here's how to cancel a credit card without damaging your credit score. How To Cancel a Credit Card Safely Simply paying off your credit card won't cancel the card or your account. Follow these steps to cancel…

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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Oil Prices Rise 1.7%, Hit 7-Year High as Omicron Variant Fails to Reduce Gas Consumption

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Social Security Schedule: When the First COLA Checks Will Arrive in January 2022

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Semi-Retirement: The New Job Trend Among Baby Boomers

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Social Security: When Your Provisional Income Can Lead to 100% Tax-Free Benefits

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5 Steps to Save $10,000 in Six Months

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Child Tax Credit Guidance Updated by IRS

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The Best Credit Card for Every Stage of Your Financial Life

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Child Tax Credit and Stimulus 2021 Recipients: Be on the Lookout for IRS Letter With Tax Filing Info

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Here’s What Will and Will Not Get Taxed From Your Social Security Benefit

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Tax Day 2022: When Are the First and Last Days To File?

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What Special Social Security Benefits Do Veterans Receive?

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While Wages Technically Rose in 2021, Inflation Led to 2.4% Pay Cut for Workers

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Coinbase Fees: Here’s a Full Breakdown of How To Minimize Costs

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Social Security 2022: How the COLA Will Increase Benefits for the Average Senior Couple

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COVID-19 Outbreak Pushes Army To Increase Enlistment Bonus To $50,000 For Skilled New Recruits

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Buying Crypto in 2022? Do This First

Navient Student Loan Settlement: Are You Eligible for $260 Restitution Payment?

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