Credit cards offer convenience and flexibility, and some even offer rewards like cash back. They make it possible to afford large purchases when you don’t necessarily have the cash on hand.
Throughout a one-month billing cycle, you can use your card to make purchases up to a credit limit. If you pay your bill in full, your balance resets to zero and you can charge up to the limit again.
Credit cards also allow you to pay off your balance over time while still using your card. In other words, you can take on short-term debt, which isn’t necessarily a bad thing if you’re able to pay that debt off.
Credit Scores and Reports
Your credit can have a big impact on your financial life. Credit scores and reports provide a snapshot of the financial habits that financial institutions, cell phone companies, credit card companies, and others use to get a sense of your creditworthiness.
Healthy Financial Habits
If you ever feel overwhelmed by your financial situation, you’re not alone. In fact, nearly half of all Americans live paycheck to paycheck—struggling to pay their bills or save for the future.
What to do if your online order never arrives
We’ve all been there. During the holidays you order something online and anxiously await its arrival. But then your package doesn’t come when the seller said it would. And worse, you hear nothing. Your happy anticipation is turning to anger and frustration. So now what?