Business card or Personal credit card – which should you use for your business?

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If you own your own business, it’s only a matter of time before you’ll need a credit card to charge expenses. But should you get a Business card instead of using a Personal one? The basic function of the cards work the same – you’ll have a credit line, interest rate, and earn certain perks based on the card you choose. However, there a few differences to take into consideration before sending in that credit app. Continue reading “Business card or Personal credit card – which should you use for your business?”

I messed up my credit. How do I fix it?

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It’s something no one talks about. It’s right up there on the list of taboo items you don’t mention to other people, like your annual income and amount of debt you have or your credit score. The lower it is, the less likely you are to share that number with people. But you’d probably be surprised at how many people have made mistakes and witnessed the swan dive of their credit score. The important thing is to get it fixed as quickly as possible. Continue reading “I messed up my credit. How do I fix it?”

Card limits and why you can’t spend all your money whenever you want to

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Everyone knows that credit cards come with a credit limit, the maximum amount of money you can charge on the card. However, what’s not as widely known, is that credit card issuers don’t intend for you to max out your credit card by charging up to the credit limit. As you come closer to your credit limit, it can start to have negative effects on your credit score.  Love it or not, much depends on the almighty credit score – from buying a home to getting a good rate on insurance and even employment for some professions. Continue reading “Card limits and why you can’t spend all your money whenever you want to”