Credit cards can give you convenience and access to funds you wouldn’t otherwise have. But what if you need more flexibility in how you can access and use those funds, such as accessing cash without exorbitant cash advance fees? If that’s the case, you might want to consider a line of credit instead — preferably one offering similar card convenience with a debit card that lets you access your funds.

Credit lines give you more flexibility when it comes to how you can use your money. While credit cards might be a fine option for everyday spending or online purchases, some businesses still prefer cash and cheques. And sometimes a line of credit can give you more access to credit than a typical credit card. If you want to purchase a car for example, a personal line of credit would be your better option. read more..

Talking with your partner about finances isn’t always easy. That’s especially true in newer relationships where you’re still getting to know each other and your different financial circumstances. Credit cards have the potential to lead to fights if discussions aren’t approached delicately. But those fights are unnecessary.

All it takes is a little bit of preparation and a little bit of understanding. Let’s take a look at how you can make credit card discussions and other financial discussions with your significant other a little bit easier. read more..

If you have one or more business credit cards for your company, chances are good that at least one of your cards offers business-oriented perks and rewards. But what sets these business rewards cards apart from personal rewards credit cards? On some levels, they really aren’t very different. You can get some of the same rewards and you’ll likely earn points at a similar rate. Other perks are practically tailor-made for your business.

Let’s take a look at some perks and rewards for business cardholders that fall into both of those groups and give you a little something extra to love about your business credit cards. read more..

If you want to protect your credit card information and protect yourself from becoming a victim of identity theft, it’s important to understand what phishing emails are. When you know how to spot them, you can avoid letting scammers get your account login access, credit card number, and more. Let’s take another look at phishing emails, why they’re so dangerous for consumers, and how you can identify them so you don’t become a victim. read more..

If you own a small business or are planning to launch one, what kind of financial tools will you use? Will you get a business credit card like the CitiBusiness credit card or would a charge card be a better fit for your needs? To make that decision it’s important that you know the difference between credit cards and charge cards and the benefits and drawbacks of each. read more..