About the author:
Sean P. EgenAfter realizing he couldn’t pay back his outrageous film school student loans with rejection notices from Hollywood studios, Sean focused his screenwriting skills on scripting corporate videos. Videos led to marketing communications, which led to articles and, before he knew it, Sean was making a living as a writer. He continues to do so today by leveraging his expertise in credit, financial planning, wealth-building, and living your best life for Credit One Bank.
A points credit card earns you points when you make eligible purchases with the card. It is one of the most popular types of rewards credit card, along with cash back rewards cards and travel miles cards. Points earned with a points credit card can typically be redeemed for discounted or complimentary travel, merchandise, gift cards, statement credits, or more.
A rewards credit card can be a great tool for getting more purchasing power. Depending on the credit card, it could earn you cash back rewards, points, travel miles, or more for using that card to purchase eligible items instead of paying with cash, check, or debit card. Used strategically, a rewards credit card could net you travel, merchandise, gift cards, statement credits, and more just for buying things you need or want with that card.
There are lots of reasons to get a pet, including companionship, unconditional love, reduced stress levels, immune system boosts, and more. This article isn’t going to try to sell you on why you should have a pet. Instead, we’ll focus on why, after you’ve made the decision to bring a pet into your life, you should adopt a pet from a shelter instead of purchasing one from a pet store or breeder.
Despite cheerful songs about chestnuts roasting on open fires and it being the most wonderful time of the year, for many, the holidays are the most stressful time of the year. In fact, one survey of 2,000 adults revealed 88 percent of respondents found the holidays to be the most stressful time of the year. As far as what specifically stressed them out, 56 percent said it was the financial strain brought on by the holidays, and 48 percent said it was the added stress of finding and buying gifts for everyone.
If you take a closer look at your credit card, you’ll notice a three- or four-digit number on the back or front of the card set apart from the rest of the numbers on the card. With a Visa®, Mastercard®, or Discover® card, the number is three digits long and on the back of the card. With an American Express® Card, the number is four digits long and resides on the front of the card.
For many of us, a car will be the second most expensive purchase (after a home) we ever make. And the majority of us will finance that automobile purchase with a loan, which means having a car payment. Depending on how much of the car’s purchase price you finance, the term length of the loan, and how long you keep the car, this could mean years of making a monthly car payment.
A contactless payment occurs when you pay for something with a credit card, debit card, or mobile device without making physical contact (or making only minor physical contact, like touching) with a terminal. While contactless payments using digital wallet apps like Apple Pay, Google Pay, or Samsung Pay have become popular, we’re going to confine our discussion in this article to contactless payments made with credit cards. The process and technology are similar with both methods.
A credit report is a bit like an academic report card, only instead of reporting how one is doing in school, it conveys how one’s doing managing their credit. It does this by reporting account information supplied by creditors, similar to the way instructors supply grades that represent how well a student is doing in their courses. But instead of assigning a letter grade or numeric grade point, creditors report account activity to the consumer credit bureaus (the agencies that produce credit reports). Information such as payment history, how long an account has been open, credit limit, account balances, account opening and closure dates, and more.
After realizing he couldn’t pay back his outrageous film school student loans with rejection notices from Hollywood studios, Sean focused his screenwriting skills on scripting corporate videos. Videos led to marketing communications, which led to articles and, before he knew it, Sean was making a living as a writer. He continues to do so today by leveraging his expertise in credit, financial planning, wealth-building, and living your best life for Credit One Bank.
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.