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Credit Wrecker: Miss Payment lounging on the couch

How Long Do Late Payments Stay on Your Credit Report?

One late payment can have a surprisingly big impact, but the next steps you take can make a massive difference.

A young woman at a laptop scowls as she looks at her credit card in one hand while holding her mobile phone in the other, likely wondering whether her credit utilization ratio is too high.

What Is a Credit Utilization Ratio?

Your credit utilization ratio might seem confusing, but it’s really just a simple equation. Here’s what it is and how it affects your credit score.

A couple reviewing the benefits of having a secured credit card.

What Is a Secured Credit Card and How Does It Work?

A secured credit card is easy to obtain and can substantially improve your credit score when used correctly. However, it is important to understand how they work and how to use them

A woman holds her phone near a store’s payment processor so she can check out using her digital wallet.

Using Digital Wallets: Apple Wallet, Samsung Wallet, and Google Wallet

Digital wallets are the future. Here’s how to use Apple Wallet for Apple Pay, Samsung Wallet for Samsung Pay, or Google Wallet for Google Pay.

A young woman holds a credit card while looking at her smartphone, appearing thoughtful and possibly wondering if she can reopen a closed credit card.

Can You Reopen a Closed Credit Card?

Potentially reopening a closed credit card comes with some considerations. Find out the eligibility requirements, potential benefits, steps to take, and tips for success.

A man checks his credit card account on his laptop. He may compare similar terms like “credit limit” and “available credit” and ask “What does available credit mean?”

What Does Available Credit Mean?

You might be wondering what available credit means and if it’s different than your credit limit. Find out what it is and why it matters.

Page 11 of 33

This material is for informational purposes only and is not intended to replace the advice of a qualified tax advisor, attorney or financial advisor. Readers should consult with their own tax advisor, attorney or financial advisor with regard to their personal situations.

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