All About Credit

Have a question about how credit cards work or the best kind of credit to use? We have the answers you need here!

Credit can be tricky – from confusing credit cards contracts and statements, to just choosing between the different types of credit available in today’s market, it can be tough to know exactly what to do so you can be a successful credit user. If you want to get ahead (and stay ahead) financially, then you have to understand credit as much as possible.

With that in mind, we’ve created this Ask the Expert section specifically dedicated to answering questions about credit and credit cards that people have. If you can’t find the information you need in the answers below or you need more details on a specific topic, just ask! Complete the form to the right or call us at to speak directly with a credit counselor.

    • Are Store Credit Cards a Good Idea?

      The rewards and incentives offered by signing up for store credit cards can them look like a really good deal, but you have to be vigilant against high-interest credit card debt problems that often come with in-store credit.

    • How Do I Use Credit Cards Strategically?

      Credit cards can play a role in your life without endangering your financial stability if they’re used correctly. Learn to use credit in a way that supports a health financial outlook without putting you at risk of debt problems.

    • How Often Should I Apply for New Credit?

      Is there such a thing as a credit card that’s too old or outdated? If you’ve had your credit card accounts for years and you’ve never looked for anything new, you may be missing out. We help you assess if it’s time to apply for new credit.

    • 30-Day versus Open Credit

      Credit cards are not one-size-fits-all. If you’re thinking of opening a new credit card account, read this first! We explain the difference between 30-day credit lines like American Express, and open credit lines like Visa and MasterCard.