There are three major American companies that maintain a detailed report of your credit standing and repayment history. This data can be requested for by banks, money lenders, credit card companies, employers and so on. Let us take a look at when hard credit inquiries are essential and when soft credit inquiries may be initiated and by whom.

For all of us who love to travel to exotic locations, the offering of travel credit cards is surely a boon from many perspectives as they provide us with significant financial flexibility, especially when one is in a foreign country. With many airlines joining the credit card fray in collaboration with well-known banks, the options for travel credit cards are aplenty.

In today’s times, it is hardly unusual or even a luxury to own credit cards and debit cards. Both are small pieces of plastic that are embedded with a uniquely identifiable magnetic strip. All debit and credit cards are also assigned a unique 16 digit number to identify them. Debit Card vs.

In the present times when credit cards offer us great flexibility in terms of buy-now-pay-later schemes, it is extremely important that you use your credit card wisely. Here are some ways to ensure that using credit cards works for you instead of against you. How to Use Credit Card Wisely?

When it comes to credit card rewards, there is nothing better than cashback. They are flexible, so you don’t have to accumulate points and then figure out ways to redeem them. Instead, you get real dollars that you can spend the way you want. Here are the five best cashback credit cards of 2021:

Are you a frequent traveler? Do you love getting rewards for your travels? If yes, then you must opt for one of the best airline mileage credit cards to enjoy travel rewards. Signing up for the best credit card for air travel that gives you an abundance of travel rewards would be the first step.