Best Credit Card Offers specially for you

About Us  |  Contact Us  |  Articles  |  News  |  Tips  |   Tools
ADVERTISER DISCLOSURE is an independent, advertising-supported web site which is compensated by the credit card issuers whose offers appear on the site. This compensation may impacts how and where the credit products appear on our site, including, the order in which they may appear within credit product lists. does not review or offer all available credit products.

Give Your Credit Report a Spring Cleaning

[Sunday, April 27th, 2014]

Spring is in the air, and it’s the perfect time to clean out all the winter debris that has accumulated: dusty windowsills, weedy dead flowerbeds—and maybe a credit report damaged from holiday spending, high heating bills and car repairs. When is the last time you gave your credit score the same kind of scrubbing you give your kitchen floors?

Here are five quick ways to clean out your credit score this spring.

  1. Order a copy of your credit report. This is free once per year through You will be able to access your credit report from each of the three major bureaus: TransUnion, Experian and Equifax. Look over the report carefully to make sure all information is correct. This will contain data about not only your name and birthdate, but also addresses and employers you have had over the years, accounts you have opened and closed, and payments you’ve made on those accounts. There is a lot of information to digest, so have a highlighter in hand and take your time going over each report, making a note of anything that looks unfamiliar, questionable, or wrong.
  2. Correct any mistakes on your credit report. This means writing letters to each credit bureau that has faulty information on its report. Everything must be in writing, and you should keep copies of all correspondence. Once you have filed a complaint, the credit bureau must investigate. If they find the information to be incorrect, or get no response from the creditor or agency that put the information on your report, they must remove it.
  3. Get in the habit of paying your bills on time. If you’ve slipped a little over the winter, get in shape now. Set up automatic payments on your accounts and pay them online. Paying all your balances on time is a large part of keeping your credit score squeaky clean, so make sure you never miss a due date.
  4. Keep your balances low. The rule of thumb is, don’t run your cards up more than 30% of their available balance. So a card with a $10,000 limit should not have more than a $3,000 revolving balance on it. Maxing out your credit cards is one of the worst things you can do to dirty-up your credit score, so keep those balances under control.
  5. Don’t apply for the wrong credit cards. Now that you’ve checked your credit, you know if it’s excellent, good, average, or poor. If you want to apply for a new rewards credit card or travel credit card, look for one that is appropriate to your level of credit. If your credit is just average, applying for a bunch of credit cards recommended for people with excellent credit is only going to lower your score further. Read up on the different types of credit cards available and choose one that is perfect for you.

Read also

How to Get Cash from a Credit Card?
[August 30th, 2019]

We all used to make purchases or pay for various services with our credit cards. More than 300 billion credit cards are issued in the U.S. annually, and almost 80% of Americans own at least one credit card. However, despite the wide acceptance of credit cards, it still remains useful to carry cash in your pocket. That’s where a credit card cash advance comes into play.

Continue reading ››

How to Benefit with Discover it® Cashback Bonus Cards in 2019
[May 10th, 2019]

Owners of the Discover it® Cash Back, the Discover it® Balance Transfer, the Discover it® Student Cash Back and the NHL® Discover it® credit cards surely appreciate the 5% cashback bonus on purchases at its true value. We would remind you that it applies to purchases up to $1,500 per quarter in certain categories rotating quarterly and is available after activation.

Continue reading ››

Here’s Why Every Frequent Flyer Needs a Travel Rewards Credit Card
[January 16th, 2019]

If you think the only advantage to carrying a credit card that offers travel rewards is that you can earn more frequent flyer miles by making purchases on the card, you could be missing out on some of the biggest perks offered by card issuers and airlines.

Continue reading ››
Copyright © 2003-2019 All Rights Reserved strives to keep credit card information up to date and accurate. However, all the credit card information is presented without warranty and can be changed by the credit card issuers at any time. Click the "Apply online" button to see the online credit card application and to review current credit card terms and conditions. Note that can be compensated by credit card issuers when the visitors apply for a credit card through the website.
* The webpage is a free service and an information resource for credit cards and financial products and services available to eligible United States consumers. does not offer any warranties and is not a direct service. There are no guarantees for approval or offers when applying for a credit card. Please refer to the application if you would like more information on each credit card. When you click "Apply" for a particular credit card, please take the time to review the terms and conditions of the product/service at the issuer's website. All logos on the website are property of their respective owners. is an independent, advertising-supported web site. receives compensation from many credit card issuers whose offers appear on our site. Compensation from our advertising partners impacts how and where their products appear on our site, including, for example, the order in which they may appear within review lists. has not reviewed all available credit card offers in the marketplace.
Disclaimer: This editorial content is not provided or commissioned by the credit card issuer. Opinions expressed here are the author's alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. Reasonable efforts are made to present accurate info, however all info is presented without warranty. Consult a card's issuing bank for terms & conditions.
Information in these articles is brought to you by Banks, issuers, and credit card companies mentioned in the articles do not endorse or guarantee, and are not responsible for, the contents of the articles.
Disclosure: Not an access card.