Credit & Loans

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  1. Learn How To Lower Your Second Mortgage Rate

    Learn How To Lower Your Second Mortgage Rate

    Make a second property more affordable by taking advantage of low mortgage rates to refinance it.
  2. Review: The VentureOne® Rewards Credit Card

    Review: The VentureOne® Rewards Credit Card

    Capital One's VentureOne® Rewards Credit Card offers travelers no annual fee and a menu of perks.
  3. How Our Borrowing Habits Have Changed In A Decade

    How Our Borrowing Habits Have Changed In A Decade

    The credit crunch and recession caused financial fear, so it's no great shock that our borrowing habits have changed from ...
  4. 8 Quick-Cash Alternatives To Credit Card Advances

    8 Quick-Cash Alternatives To Credit Card Advances

    Sometimes you can find a better deal than a cash advance – but some alternatives are even more pricey. Where to find the ...
  5. What is a collateral assignment of life insurance?

    What is a collateral assignment of life insurance?

    Learn about collateral assignment of life insurance so you can make a wise decision about what kind of collateral to use ...
  6. How do balance transfers affect my credit score?

    How do balance transfers affect my credit score?

    Learn the ways a balance transfer can negatively and positively affect your credit so you can pay off debt while maintaining ...
  7. When is a balance transfer a good idea for paying off debt?

    When is a balance transfer a good idea for paying off debt?

    Learn the best situation in which to do a balance transfer, enabling you to pay off your credit card debt more quickly while ...
  8. Before You Take That Cash Advance

    Before You Take That Cash Advance

    Understand who benefits most from cash advances – and when it might make sense to get one.
  9. 0% Balance Transfers: Can You Beat the Odds?

    0% Balance Transfers: Can You Beat the Odds?

    Before you accept that 0% balance transfer offer, understand why you got it and who will probably profit most. Only accept ...
  10. Does inflation favor lenders or borrowers?

    Does inflation favor lenders or borrowers?

    Find out under what circumstances inflation benefits borrowers more than lenders and in which situations inflation can be ...
  11. The Credit Card Balance Transfer Trap

    The Credit Card Balance Transfer Trap

    Before you transfer a balance to a credit card with a lower interest rate, know how it affects new purchases and other fine-print ...
  12. Does a cash advance hurt my credit score?

    Does a cash advance hurt my credit score?

    Find out if a cash advance will hurt your credit score and how your credit report and requests for new credit can be affected ...
  13. How does interest work on a cash advance from my credit card?

    How does interest work on a cash advance from my credit card?

    Find out how cash advances and regular credit card purchases are treated differently and what it means for your financial ...
  14. Can I get a balance transfer if I have bad credit?

    Can I get a balance transfer if I have bad credit?

    Transferring funds from one credit card to another is often possible with bad credit, but it will likely cost you in interest ...
  15. What's the difference between a grace period and a deferment?

    What's the difference between a grace period and a deferment?

    Learn the difference between grace periods and deferments and when each type of delayed-payment period applies to various ...
  16. What's the difference between a balance transfer and a cash advance?

    What's the difference between a balance transfer and a cash advance?

    Learn how balance transfers and cash advances differ, how these transactions can both benefit and hurt your finances, and ...
  17. What are the pros and cons of life insurance policy loans?

    What are the pros and cons of life insurance policy loans?

    Find out the pros and cons of borrowing against your life insurance policy to help you decide if this loan type is the right ...
  18. How can I borrow money from my life insurance policy?

    How can I borrow money from my life insurance policy?

    Capitalize on the cash value of your whole life insurance policy and learn the details of how to borrow money from your life ...
  19. What are the different types of cash advances?

    What are the different types of cash advances?

    Find out the different types of cash advances along with their different features to determine which option, if any, is best ...
  20. Is it better to get a balance transfer or a personal loan to pay off my credit card ...

    Is it better to get a balance transfer or a personal loan to pay off my credit card ...

    Find out what you should consider before deciding to pay off your credit card debt by taking out a personal loan or using ...
  21. What's the difference between a grace period and a moratorium period?

    What's the difference between a grace period and a moratorium period?

    Find out what grace periods and moratorium periods are, what you have to do to get them and how they can benefit your financial ...
  22. The Pros And Cons Of Balance Transfers

    The Pros And Cons Of Balance Transfers

    Do the math before you assume that transferring your credit card balance to a lower rate card will save money. It could – ...
  23. Buying A Home: Cash Vs. Mortgage

    Buying A Home: Cash Vs. Mortgage

    If you have the funds, should you buy your home with all cash? Here's how to decide which option – cash or mortgage – makes ...
  24. The 4 Worst Reasons For A Cash Advance

    The 4 Worst Reasons For A Cash Advance

    They're convenient, especially in an emergency. But that's about the only good thing you can say about taking a cash advance. ...
  25. Funding Higher Education With An ISA

    Funding Higher Education With An ISA

    ISAs are financial instruments that allow students to raise funds to pay for their degrees by selling shares in their future ...
  26. Car Title Loan Requirements

    Car Title Loan Requirements

    Here's a list of what you need to qualify for a car title loan. Most important: having sole ownership of your car with no ...
  27. Car Title Loan Limits

    Car Title Loan Limits

    You can usually get 25% to 50% of a car's value - but could pay more in interest than you borrowed if the loan rolls over ...
  28. States That Allow Car Title Loans

    States That Allow Car Title Loans

    Only some states permit car title loans – and those that do may have restrictions. Check this list to see what to expect.
  29. Costs And Benefits Of A Home Depot Credit Card

    Costs And Benefits Of A Home Depot Credit Card

    You probably have at least one regular credit card. Does it make sense to get one branded by Home Depot? Here's why you might ...
  30. Steps To Buy A Home

    Steps To Buy A Home

    When you're ready to purchase a home, take these steps to make sure you get a good deal at a price you can afford.
  31. What's the difference between a secured line of credit and an unsecured line of credit?

    What's the difference between a secured line of credit and an unsecured line of credit?

    Discover the differences between a secured line of credit and an unsecured line of credit, and why lenders treat the two ...
  32. What are some tips for getting the most out of my credit card rewards program?

    What are some tips for getting the most out of my credit card rewards program?

    Get tips to get the most out of a credit card rewards programs and discover what the most important factors are when choosing ...
  33. Does shopping for the best interest rate affect my credit score?

    Learn about hard and soft credit inquires and how shopping for credit may negatively affect credit scores. Explore strategies ...
  34. What's the difference between a credit bureau and a credit rating agency?

    Learn the differences between credit bureaus that report on individuals' creditworthiness and credit rating agencies that ...
  35. What is the difference between a loan and a line of credit?

    Learn to differentiate between lines of credit and standard loans, and determine when you are likely to use each method of ...
  36. How do I find a good personal bankruptcy lawyer?

    Read how to find a good personal bankruptcy lawyer, and learn how much you can expect to pay for services if you are considering ...
  37. What are some good alternatives to taking out a line of credit?

    Read more about how opening a line of credit might not be the best answer for you and determine available alternatives if ...
  38. What transactions cannot be made using prepaid credit cards?

    Find out about the transactions that are restricted when you use a prepaid credit card, and find out about other ways to ...
  39. How do I get my free credit report and score from each credit bureau?

    Learn how to obtain copies of your credit report for free from the three credit bureaus and where you might find your credit ...
  40. Do I still owe debt collectors for a debt that's past the statute of limitations ...

    Learn more about the statutes of limitations that govern certain personal debts and why you maintain obligations as a debtor ...
  41. What is the difference between overdraft and cash credit?

    Learn about the uses of the terms ''overdraft'' and ''cash credit,'' and how they represent different financial arrangements ...
  42. Which debts are covered under consumer protection laws?

    Discover what type of consumer debts are protected through a variety of federal regulations, and learn how protections change ...
  43. What is the difference between certified and non-certified private student loans?

    Learn the main differences between certified and non-certified private student loans, and see why non-certified student loans ...
  44. What are the advantages of using a home-equity debt consolidation loan?

    Learn how to use a home equity loan for debt consolidation, and find out how to take advantage of a home equity loan's lower, ...
  45. How do I check the balance on my prepaid credit card?

    Check your prepaid credit card balance quickly using your phone or the Internet. Keeping track of your balance is easy and ...
  46. What legal action can I take against a debt collector?

    Find out what legal recourse is available to you as a consumer if you are being harassed by a debt collector that has violated ...
  47. What’s the difference between overdraft protection and overdraft settings?

    Learn what overdraft settings are, how they impact your relationship with your bank and how they govern the overdraft protections ...
  48. What are some examples of a good time to take out a payday loan?

    Find out if it is ever a good time to take out a payday loan, and learn what you need to consider when looking at payday ...
  49. What’s the difference between federal and private student loans?

    Learn about the differences between federal and private student loans, and discover the types of federal funding available ...
  50. How do I determine whether a debt consolidation loan is a good debt relief option?

    Determine whether a debt consolidation loan can help you dig yourself out of debt. Learn about the different types of debt ...
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