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What You Didn’t Learn About Money in School

[Saturday, February 18th, 2017]

You might be surprised to learn that most people don’t learn anything about money in school. With all the history, math, and science students are required to study, one thing that gets left out is basic financial literacy.

For example, did you know that it’s not a good idea to pay just the minimum amount due on your credit card each month? If so, count yourself lucky. Many people actually don’t know that. Maybe this is your first time hearing it, as well. If so, don’t be embarrassed. You aren’t alone.

Here are just a few things that no one teaches you before college graduation…

An APR is an interest rate. The term “APR” is thrown around so much that it’s easy to assume everyone knows what it means. But in fact, many people don’t. It stands for Annual Percentage Rate, and if you have a credit card, it will have an APR. This dictates how much interest you’ll be charged if you don’t pay off your balance in full each month. So the lower, the better. You can usually get a lower APR on your credit card if you have a good credit score, so it pays to have a clean credit report.

Getting cash from a credit card is a bad idea. Speaking of APR’s, many people don’t know that when you use your credit card to get cash out at an ATM, you’ll be charged a very high one. Even if you have a low APR credit card, that low APR will usually only be for purchases, and maybe balance transfers. The cash advance APR (that’s what getting money from an ATM is, a cash advance) is always much higher. So if you have any other way to get cash, use it. Avoid using your credit card to get cash out, at all costs.

Never pay just the minimum due on your credit card. Depending on how much you owe, and on your APR, you could end up paying twice what you spent, or even more. It could take you 30 years to pay off your debt – or you might even never pay it off. Check your credit card statement for the little box that shows how long it’ll take to pay off your balance if you pay the minimum, versus if you pay a little more. That will show you how much it will cost to only pay the minimum.

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New Survey: Millions of Americans Met the COVID-19 Outbreak Indebted
[April 15th, 2020] has recently published the results of its annual long-term debt poll conducted online from March 4-6, 2020 by an international research data and analytics company, YouGov Plc. 2,526 U.S. adult respondents, among which 1,855 credit cardholders and 1,086 credit cardholders with debt, took part in it. One of the major survey outcomes is that […]

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How to Make Marriage Work on Your Credit
[December 27th, 2019]

It is assumed that having made a serious decision to get married, the two persons promise to live happily ever after and share both joys and sorrows. Being honest and keeping no secrets from each other seems to be taken for granted. But have you ever discussed each other’s credit history?

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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.

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