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.

The Simple Trick That Will Improve Your Credit Score

[Thursday, April 13th, 2017]

If you’ve ever been turned down for a credit card or offered a sky-high rate on a mortgage, your credit score might need some help.

A low credit score can get in your way when you’re trying to rent an apartment, apply for a loan, or even get a job – but many people don’t know how to make their score the best it can be. If you’re one of them, this simple trick can help you achieve the credit score that will open the doors to low APRs, elite credit cards, and anything else you need excellent credit to secure.

The one mistake you might be making

When paying down debt, many people believe that the final step to fiscal responsibility is to close the account they’ve been working so hard to pay off. They make that final credit card payment and proudly close the account, feeling triumphant.

But that’s actually the worst thing you can do when you’re trying to rebuild your credit score after being in debt. Why? Because the credit bureaus that calculate your credit score look at how long your accounts have been open, and give you points for having a long credit history. So if you close an account you’ve had for years, you’re shooting yourself in the foot.

Length of credit card history isn’t the only thing that matters to potential lenders, and it’s not even the most important thing, but it is the easiest thing to achieve. All you have to do is leave your accounts open, and use them occasionally so they aren’t automatically closed due to inactivity.

What else matters?

How long your accounts have been open only counts for about fifteen percent of your credit score. The rest is calculated according to your payment history, the total amount you owe relative to your available credit, the types of credit lines you have open, and how much new credit you’ve applied for.

Of these, payment history and amount owed count for the most: about thirty percent each. So the best thing you can do is always make your payments on time, and keep your balances low. But in addition to that, make sure never to close an account, and your score will get an easy boost.

Read also

How To Get Your Credit Card Issuer To Raise Your Credit Limit
[January 16th, 2018]

It’s happened to the best of us: you want to buy something using your credit card and find you don’t have enough available credit to complete your purchase. When you want to take advantage of low interest rates, high value credit card rewards, and the chance to pay off a purchase over time, it can be frustrating to be faced with a lower credit limit than you’d like.

Continue reading ››

Here’s How To Keep Your Credit Card Safe From Fraudulent Charges
[August 31st, 2017]

If you’ve ever gotten a call from your credit card issuer asking you about an unfamiliar charge, you know the particular sense of dread that goes through you when you think your card may have been compromised.

Continue reading ››

3 Mistakes People Make When Applying For A Credit Card
[June 23rd, 2017]

It might not seem like applying for a new credit card is very complicated. After all, millions of people have credit cards, and most households have more than one. Still, people do make mistakes when applying for credit cards. Here are three of the most common blunders folks are prone to making when they sign up for that amazing new rewards credit card…

Continue reading ››
Copyright © 2003-2018 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.