September 2017 Articles - CreditSoup.com Blog

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Articles in September 2017

Capital One Venture Rewards Credit Card vs. Barclaycard Arrival Plus, which should you pick?

Jason Steele September 28, 2017 • 4 Minute Read
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Have you had trouble recently trying to redeem your airline miles or hotel points? As airlines and hotels increase the cost of awards, and reduce the availability of the best ones, many travelers and credit card users are fed up with the direction these programs are taking. Let’s take a look at these two cards, and see which one is right for you:
Building Credit from Scratch – The Dos and Don’ts

CreditSoup Staff September 27, 2017 • 4 Minute Read
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A secured credit card uses a cash deposit as collateral. Normally, the cash deposit will be equivalent to the spending limit on the credit card. This allows the issuer to lower their risk taking on a new credit card user. The collateral works as a back-up plan for the credit card issuer; if the credit card bill isn’t paid on time, the issuer can use the deposit to pay off the balance.
How to Become Debt Free Before the Next Financial Crisis Hits

Holly Johnson September 26, 2017 • 5 Minute Read
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Worried about the next financial crisis? Maybe you should be. Because our economy runs in cycles with recurring booms and busts, it’s only a matter of time before our recent run of fortune fizzles out.
Five Places Where Rent is Under $750

Kat Tretina September 25, 2017 • 3 Minute Read
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One of the largest expenses you have is housing. Renting an apartment can eat up 30 percent or more of your income, leaving little left over for building an emergency fund or paying off debt. In fact, the median rent nationwide is $1,001.
Earn 200,000 bonus miles worth up to $2,000: Capital One® Spark® Miles for Business Review

Holly Johnson September 22, 2017 • 7 Minute Read
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Business owners who compare business credit cards face a common conundrum– they crave points they can redeem for travel, but may be put off by the egregious annual fees some business cards charge. Fortunately, at least one business credit card offers valuable rewards, a simple redemption process, and an annual fee nearly any business owner can stomach.
How To Choose a Credit Card

CreditSoup Staff September 21, 2017 • 1 Minute Read
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Most consumers understand the benefits of having a credit card, but it can feel overwhelming to choose from a seemingly endless list of options. Credit card companies and financial institutions offer dozens upon dozens of deals depending on your financial history and goals, and every card brings with it different terms, interest rates, and perks.
5 Questions to Ask Before Relocating

Kat Tretina September 20, 2017 • 3 Minute Read
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Moving for a new job — or at the request of your current employer — can either be an exciting or terrifying prospect. For some, getting to know a new city and possibly getting a pay bump along the way are big incentives to say yes. For others, change and uncertainty can leave them feeling anxious.
5 Ways Millennials Can Use Credit Cards to their Advantage

Holly Johnson September 19, 2017 • 4 Minute Read
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Millennials may be the largest living generation on Earth, but that doesn't mean they don't face their share of financial hurdles. For example, millennials face higher levels of student loan debt than ever before, rampant unemployment or underemployment, an increasingly expensive housing market, and a world where owning costly gadgets and technology is the norm.
Rewards Credit Cards to Score Before the Holidays Hit

Holly Johnson September 13, 2017 • 6 Minute Read
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With summer behind us and fall on its way, it’s just a matter of time until the festive season hits. Once Halloween comes and goes, an explosion of twinkling lights and non-stop sales will last for months. Holiday shopping season will kick in, culminating on Black Friday followed by weeks of last-minute rushing to find the perfect gifts. It will be here before we know it, which is why you should really start planning now.
Why Roth IRAs Are the Perfect Retirement Tool for New Grads

Kat Tretina September 11, 2017 • 3 Minute Read
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When you have student loans, rent and an entry-level salary, saving for retirement is probably the last thing on your mind. However, it’s important for your future. Studies have found again and again that Americans are unprepared for retirement. That means it’s likely that many could be in desperate straits when they are older. Starting to save now, when you’re young and time is on your side, can ensure you’re comfortable throughout your lifetime.
Affected By Equifax’s Data Breach? Here’s What to Do Now

Kat Tretina September 8, 2017 • 3 Minute Read
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On Thursday, credit reporting agency Equifax announced that a cyber security attack on their systems occurred. The company says that the data breach exposed customers’ personal information, including names, addresses, Social Security numbers and even driver’s license numbers. They also got a hold of thousands of credit card numbers.
Yes, You Can Book All-Inclusive Vacations with Credit Card Rewards

Holly Johnson September 7, 2017 • 5 Minute Read
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According to a recent survey from Allianz Travel Insurance, the average American may be spending more money on vacation than ever before - approximately $1,798 on average as of 2016. That’s a lot of dough to spend on travel, yet 50 percent of respondents to the Allianz study said they were confident they could pull it off.
New Job? Here’s How to Select a Healthcare Plan

Kat Tretina September 6, 2017 • 3 Minute Read
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Starting a new job can be exciting, but it’s also easy to feel stressed out by meeting your new team and completing all of the necessary paperwork. When your employer hands you the information on your health insurance options, you might be tempted to just pick the cheapest plan and move on. But doing so can end up costing you in hefty medical bills later on.
How to Execute a Balance Transfer – and Actually Save Money

Holly Johnson September 5, 2017 • 5 Minute Read
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If you have high interest credit card debt, personal loan debt, or other mounting bills, a balance transfer credit card could be the answer to your prayers. Once you qualify for a balance transfer credit card, you can score 0 percent APR on transferred balances for anywhere from 12 – 21 months. Best of all, some balance transfer credit cards offer low fees or even no fees to consumers who qualify.