When you compare credit cards, you probably pay attention to all of the specifics that matter to you as a consumer. For example, you likely compare interest rates, annual fees, and rewards programmes. But do you ever wonder what the differences are between the major credit card companies — like Visa, MasterCard, and American Express?

Should you choose one over another? Let’s look at what some of the differences are so you can decide if they matter to you. read more..

You’re probably familiar with traditional credit cards. They’re the ones that have a bank’s or major credit card company’s name on them (like HSBC or American Express). But you might have also come across private label credit cards offered by one of your favourite stores. Not sure what we’re talking about? Don’t worry. We can help you sort it out.

Let’s take a look at what private label credit cards actually are and whether or not it’s a good idea to apply for them. read more..

If you need to borrow money, you have a number of options available to you. For example, you might use a credit card for routine expenses. And you might get a secured loan if you want to purchase something like a home or a car. But you might also have heard the term “line of credit.”

Let’s look at what a line of credit is and why you might choose one the next time you need financing. read more..

These days making charitable donations to your favourite non-profit organisations is easier than ever. You can call them or go online and make a credit card donation in just about any amount. It only takes minutes. That can be a part of the problem though. It’s also easier to make donations on impulse. And that means you might get sucked into a fraudulent charity’s plea for help more easily or you might not think to keep detailed records. read more..

When it comes to credit cards, one of the worst things that can happen is that you get a card that’s a bad fit. It just doesn’t work for you. Maybe it doesn’t offer you the perks you really want. Or maybe it simply costs too much. Fortunately these are things you can weed out in your next credit card comparison when you’re ready to search for your ideal card.

How do you know when you’ve found the perfect credit card? Here are three signs that might tell you it’s a match made in heaven. read more..