Credit Card How-To


Building credit gives you the financial freedom to get a mortgage, buy a car and make other large purchases, but good credit doesn’t happen overnight. Find out what good credit is and how to get it.

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There’s good debt and then there’s bad debt. Learn the difference between the two and find out how to take control of the bad debt that’s plaguing your bank account. GOBankingRates provides expert advice on paying it off for good.

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Credit Card Rates

Don’t sign up for the first credit card offer you get. Find the one with the lowest interest rate and best rewards program for your financial needs. GOBankingRates makes it easy to find the best credit card rates.

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Credit Scores

A very good or very bad credit score can make or break your ability to buy a house, car or other large purchase. Learn exactly what a good credit score is and how to improve your own now.

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More in Credit Cards How To


Understanding Credit Cards

Some people are taught never to use a credit card except for emergencies. Others rack up reward points on credit cards in hopes of cashing in for airline miles or gift cards. Regardless of your credit card objectives, understanding how low-interest rate credit cards can benefit your financial goals is the first step to financial stability.

The way to best use a credit card is to remember that a revolving line of credit is essentially a loan that can give you spending power, but with that power comes great responsibility. Finding a low-interest credit card with reasonable terms for your spending habits is the most important consideration when you open a line of credit.

GOBankingRates provides the latest information about interest rates, cash-back rewards and credit card promotional offers that you can easily search online to start making your credit card work for you.