Forget the 30 percent credit utilization ‘rule’ – it’s a myth
When it comes to credit utilization and your credit score,…
February 10, 2020
Speaking of Credit Stories
Should I pay off or close my credit card to get a better mortgage?
Paying off a card can raise your credit score and…
June 28, 2018
Credit scoring effect of opening vs. closing credit cards
Opening and closing a credit card can both have negative…
June 21, 2018
How do I remove old negative items from my credit reports?
If negative items appeared on your credit report as a…
June 14, 2018
Will closing card with a remaining balance hurt my credit?
Closing a card with a remaining balance might affect your…
June 7, 2018
Raising score for mortgage purposes? Don’t open new cards!
If you want to get your credit in shape for…
May 24, 2018
Credit score impact of ignoring card debt while living on Social Security income
If you have credit card debt and are living on…
May 17, 2018
Can immigrants transition from ITIN to SSN without hurting their credit score?
Replacing an ITIN with a SSN shouldn't have a major…
May 3, 2018
Paying off in full vs. settling maxed-out card debt
If you find yourself with enough cash to pay off…
April 26, 2018
Too many new cards hurt my score. Should I cancel them?
Applying for too many credit cards in a short time…
April 12, 2018
Unpaid cable termination fees can seriously hurt your credit
Considering canceling a cable contract without paying termination fees? Think…
March 29, 2018
Can decades of excellent credit disappear from my report?
Years of great credit can vanish if you don't keep…
March 22, 2018
Can adding authorized user to charge card help them build credit?
Charge cards are excluded from utilization calculations, so they might…
March 15, 2018
Should I avoid applying for a card that pulls all three bureaus?
Avoiding a card application that will pull all three bureaus?…
March 8, 2018
When paying off multiple credit card balances backfires
Paying off multiple card balances can sometimes prompt account reviews…
February 22, 2018
Editorial disclosure: All reviews are prepared by CreditCards.com staff. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. The information, including card rates and fees, presented in the review is accurate as of the date of the review. Check the data at the top of this page and the bank's website for the most current information.