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Setting Up Credit Card Autopay

Setting Up Credit Card Autopay: A Simple Guide

With automatic credit card payments, you run the risk of needing more funds in your bank account and getting hit with overdraft fees, which average $34 or having the transaction declined by your bank. Keep an eye on your bank account to ensure that you have sufficient money to pay your credit card bill.
Maximizing Cash Back Rewards

Maximizing Cash Back Rewards: The Best Practices

Make sure you redeem your cash back by requesting for a statement credit, bank deposit, or physical check in the mail, depending on what your issuer offers before it expires.

How to Get Quick Cash in 2024

While some gigs are good to earn quick cash, others could turn into consistent streams of income, and even a career in the long term. Learn how to pick your hustle.

Credit Score Range: Understanding Your Financial Health in 2024

Calculated with a formula based on five variables: payment history, debt history, length of credit history, credit mix, and new credit, a credit score is a three-digit number, usually in the range of 350 to 750, that estimates how likely you will repay borrowed money and pay bills.

What is a Good Credit Score: Understanding Creditworthiness

When was the last time you checked your credit score? If you're new to the credit field, you need to know what makes a good credit score. Read on to know more.

Secured Credit Card: Building Credit with Financial Security

Don't have a good credit score? Unable to get the money for a loan? Here's how you can restore your credit score using a secured credit card.

How to Do Credit Score Check For Free?

A credit score predicts your credit behavior based on information from your credit reports, such as how likely you are to repay a loan on time. When deciding whether to approve you for a new account, creditors and lenders take your credit scores into account.

How Does debt consolidation impact your credit score

A good way to reduce your monthly debt payments is to apply for debt consolidation. It helps lower your overall interest rate. But how does it impact your credit score? Any time you apply for a loan, a hard inquiry is made on your credit. This reduces your score a bit. But this should not be much of a problem if you have good financial practices in general.

Bank vs Credit Union: Which One Is Good for Savings?

Parking your money in an investment is always a good idea. When you invest money, you earn interest on your deposit. This way, you can use your funds to earn more instead of keeping them with you and not earning anything. Also, most accounts with financial institutions are insured federally. This makes your investment safe even if the institution goes out of business.

Black-Owned Credit Unions: Your Guide to Inclusive Banking

A conventional white family has eight times the wealth of a typical Black family. A Black-owned bank is a regular banking institution where the board of directors comprises African American members. Netflix, Inc deposits 2% of its funds in Black-owned banks.

Soft vs Hard Credit Check: Which Is Financially Healthier?

Credit checks can be pretty confusing, especially if you’re not one to keep track of your credit reports. However, it’s a good idea to learn the differences between hard and soft credit checks, because one of them could affect your credit scores in the long run.

How to get started on your credit journey

A good credit score can help you in various things such as opting for an education loan, getting a home loan, buying a car using credit, or just as simple as opting for a credit card. You can get a secured credit card easily when you are just starting your credit journey.

Credit Score: Everything you need to know in 2024

For FICO, it is your payment history and credit utilization ratio while for VantageScores, it is your credit use, its available credit and your credit mix. But what does your credit score mean?

Does Partial Payment Affect Credit Score? Explained

Partial payments will have a negative effect on your credit score. Even though the creditor might accept the payment, it will be reported as missed or delinquent when you don’t pay the minimum amount.
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1. Beem's Cash for emergencies or Everdraft™ product is different from cash advance, payday loans, personal loans. Depending on eligibility, Everdraft™ ranges from $5 - $1,000, subject to Beem's qualification terms and policies. Everdraft is part of the product bundle that comes with the Beem's monthly subscription. There are multiple ways to get your funds credited, however when funds are instantly transferred to debit card, a fee of $1-$4 may apply. Most users receive their Instant Transfer within 1-20 minutes. To check the Everdraft™ eligibility, users don't need to have a Beem monthly subscription. Beem doesn't ask for credit score to check the Everdraft™ qualification.
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