Credit Cards

Luxury Card’s name is about as on-the-nose as it gets. It’s an international credit card company that specializes in luxury credit cards noted more for their high-class reputation and distinctive design elements, which include sleek aesthetics and sturdy metal construction, than their rewards. Technically, its cards are issued by Barclays, but Luxury Card calls the
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Considering getting new furniture? Maybe your morning coffee just slid off your tilted kitchen table. Or there’s a constellation of stains on your living room couch. Or you’re planning to move and can’t imagine taking the hand-me-down furniture you have in your current place.  Furniture is one of those big-ticket items we tend to keep
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Credit cards have, somewhat unfairly, developed a reputation as an easy way to pay for something when you may not have the money to do it upfront. In reality, they’re so much more than that when you use them right and they come with many benefits. So, we’ve put together a guide that’ll detail what
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By Andrea Woroch Money is a top concern for most Americans these days and, with so much uncertainty still ahead, it’s important to create financial security for yourself and your family as we enter into this new year. Improving your finances may seem like a daunting process, but getting started is half the battle. Here
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Some people swipe credit cards haphazardly during the holidays and accrue debt with little thought to the aftermath. It is also common for folks to blow their year-end bonuses on big ticket items before ever receiving them. People get swept up in the emotions of the holidays without considering the financial ramifications. In an effort
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Are you dealing with more credit cards than you can handle? You may have several cards for different purposes – perhaps a travel card to maximize travel benefits, a cash-back rewards card, and a low-interest rate card for large purchases that will require you to carry a balance. They were all good ideas at the
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Statewide restrictions are easing, and businesses are slowly reopening across the country, but consumers are still experiencing a lot of financial anxiety about the impact of the coronavirus outbreak on their income and budgets. In fact, a survey by LendEDU found that 63% of poll participants were concerned about running out of money and 51%
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Is your credit card interest rate causing you financial pain? As of April 2020, the average annual percentage rate (APR) across all credit cards is 16.12%. Low-interest rate cards average 12.95% – a huge improvement when you’re struggling with debt. If your card’s APR doesn’t measure up, how do you get a low-interest rate credit
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A vacation home sounds delightful, doesn’t it? If you can’t afford one, you may be able to at least afford a part of one – by purchasing a timeshare. You’ll have plenty of company if you do. The American Resort Development Association (ARDA) reports that timeshare sales have risen for eight consecutive years, reaching $9.6
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You decide to participate in a government survey regarding your debt and credit card usage. Will you answer the survey questions honestly, or will you shade some of your answers when you’re not proud of the truthful response? Researchers at the Federal Reserve decided to compare credit card data from different sources to answer that
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Most credit cards have rewards programs or sign-up bonuses these days, and many of those rewards increase with your level of spending. Doesn’t it make sense to funnel your large regular expenses, such as mortgage payments, through your credit card to reap those rewards? Paying your mortgage with a credit card may be a reasonable
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Holiday Debt On the Increase Are your credit cards still smoking from holiday overuse? Based on a recent MagnifyMoney survey, it wouldn’t be surprising. Consumers who financed their holiday spending averaged $1,325 in holiday spending debt – a sharp increase from 2018’s $1,230, 2017’s $1,054 average and 2016’s $1,003 average. Increases in wages and consumer
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If imitation is the sincerest form of flattery, imitation of your credit cards must be the sincerest form of identity theft. For years, identity thieves have produced copies of credit cards (otherwise called card cloning) by stealing the information stored on a card’s magnetic stripe and transferring it onto fake cards for their own use.
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The convenience of modern digital commerce comes with an unfortunate side effect: it makes identity theft more convenient as well. The 2019 Identity Fraud study from Javelin Strategy and Research found that 14.4 million consumers in the U.S. were victims of identity theft during 2018, to the tune of $14.7 billion. “It may seem time-consuming
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MoneyTips Can you avoid a New Year’s Day hangover? We’re not referring to the traditional hangover that comes from too much alcohol, but the financial hangover that comes from too many charges on your credit card. Of course, you can avoid a New Year’s credit hangover – especially with some help. Consider these eleven ways
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The signs of the holidays are all around us. The weather has changed, pumpkin spice has been added to everything imaginable, and your mailbox is bending under the weight of catalogs – and unsolicited credit card offers. Credit card solicitations certainly aren’t limited to the holidays, but the intensity of offers tends to pick up
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Do you have a rewards credit card? If not, now is the perfect time to consider one. The holiday season provides two motivating factors – special rewards offers from credit card issuers and the increased spending necessary to take advantage of those offers. Many cards offer signup bonuses of hundreds of dollars, or the equivalent
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What brightens up your holiday shopping season? You may prefer a quiet Christmas season at home, large family gatherings at the home of the relative who drew the short straw, or hand-to-hand combat on Black Friday at the mall. However, everyone agrees that saving money on Christmas shopping gives the holiday an extra layer of
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