How to start tackling credit card debt in the New Year :: WRAL.com
As the new year approaches, financial counselors say millions of Americans struggling with credit card debt still have options to regain control. Roughly half of U.S. households carry some level of credit card debt, and rising interest rates have made balances harder to manage. Experts recommend starting by calling your credit card issuer to request […]
How to report a fraudulent credit card transaction? Follow THESE simple steps
With the advancement of technology, credit card use, along with associated fraud, is continuing to rise in the country. This is a consequence of the rapid expansion of digital technology, quick form submission and approval of credit cards. Now, in such a scenario, even a single unauthorised transaction or debit message on the credit card […]
Tata NeuPass loyalty program: What is it and how to maximise its benefits?
The Tata Group Companies span across most sectors of the economy. From a retail customer’s point of view, the Tata Group Companies have a presence in groceries, daily-use consumer goods, food delivery, fashion, jewellery, hotels, air travel, diagnostics, and medicines etc. A retail customer usually shops with various Tata Group Companies across most of these […]
Ontario couple loses nearly $4,000 after booking Jamaican anniversary trip — how to avoid a similar mistake
Married couple It’s been scientifically proven that being in love affects the way you think, meaning the term “rose-colored glasses” has at least some basis in fact. For an Ontario couple hoping to celebrate their first wedding anniversary in Jamaica, apparently being lovestruck might affect your trip booking abilities too. In March, Lizanne Hamstali of […]
How to spot and fix credit report errors that lower your credit score
Every small inaccuracy in your credit report can quietly bring down your credit score. Thus lowering your chances of securing a personal loan or credit card. Now it is a given that many borrowers regularly track their credit scores, relatively few review their credit reports in complete detail. Due to this they often miss hidden […]
How to dispute errors on your credit reports
The information in your credit reports might not be as accurate as you would think. A 2024 study on credit report accuracy found that more than 44% of people who checked their credit reports found at least one error. If you’re like most of the people I’ve worked with as a certified credit counselor and […]
How to earn rewards on every UPI payment using your credit card?
UPI payments are becoming so popular, savvy users are finding it easy to earn rewards on their regular transactions by just linking your credit card to your UPI app. If you use UPI for peer transfers, bills, and groceries, this innovation can transform your regular payments into opportunities to collect bonuses. This informative guide will […]
How to remove auto debit from your SBI credit card? A step-by-step guide
Your credit card as the word suggests provides you with ‘credit’ i.e. it opens up a line of credit that needs to be managed effectively. This is important to avoid unwanted transactions. To facilitate the same, deletion of auto debit from an SBI credit card can go a long way to help credit card holders […]
What triggers the ‘credit hunger’ flag on your credit report and how to avoid it
Credit bureaus are increasingly vigilant about identifying “credit-hungry” consumers, signalling this behaviour through frequent loan applications or hard inquiries. This can influence your credit score and lender behaviour significantly. What triggers the ‘credit hunger’ flag? Credit bureaus monitor hard enquiries, applications for loans or credit cards. Multiple hard inquiries within a short duration of time […]
How to get a HELOC when you have a bad credit score
If you’re a homeowner and have a credit score with a few dings and scratches, you might think a home equity line of credit (HELOC) is out of reach. The truth? Maybe not. While less-than-stellar credit can make the process more difficult, closing on a bad credit HELOC might be simpler than you think. To […]