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When to Pay Off Your Credit Card Bill

When it comes to using a credit card responsibly, it’s important to understand when to pay off your credit card bill. Carrying a balance on your credit card may lead to high interest charges and/or potentially negatively impact your credit score, making it more difficult to get approved for loans or credit cards in the future. On the other hand, paying your bill on-time – or early – and in full each month may help you establish a positive credit

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What is an Installment Loan?

Definition An installment loan is a loan in which there are a set number of scheduled payments over time. Many different types of loans are installment loans, including mortgages and auto loans. A credit card may require a monthly minimum

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5 Hidden Costs of Homeownership

The home buying process can cloud your judgment about how much you can actually afford to spend. You might focus solely on the listing price of a home instead of focusing on the overall costs of homeownership. If you look

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6 Reasons Why Avoiding Credit Is Costing You

1. Potential Lenders Can’t Properly Evaluate Your Application Turns out having no credit is just as bad as having poor credit. Reasoning: lenders use your credit profile to gauge your credit risk based on several factors, such as payment history.

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Can Poor Credit Affect My Job Search?

You spend hours perfecting your resume and cover letter for your dream job. The interview goes smoothly and the employer wants to offer you the position. But there’s one more hurdle to pass: the background check, which includes a credit

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When Does a Late Payment Affect Your Credit Score?

One of the most stressful feelings you can have is realizing that you’ll be making a late credit card payment. No one ever has the intention of paying late on a bill but surprisingly it happens all the time. You

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How Much Can You Afford to Pay Toward Debt Each Month?

“Debt.” It’s a financial four-letter word that you’d rather not talk about. But you know it’s time to face the music and get real with your money. That means doing something about your debt. Hey, I get it. Life is

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6 Ways Dropping Debt is a Lot Like Dropping Weight

1) Real American problems. Roughly two-thirds of American households carry credit card debt and two-thirds of American adults are overweight or obese. Chances are that you or someone you know is struggling with with at least one of these issues.

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5 Easy Ways to Wipe Out Credit Card Debt

1. Freeze the Cards While this technically isn’t a way to get out of the hole, it’s the first step towards eliminating credit card debt. Reasoning: if you continue to swipe away, any payments made will only offset the balance

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