Credit Card Advice
Whether you are applying for your first credit card, looking for an addition to the cards that you already have, or just seeking expert advice on the best way to use your credit cards to maximize rewards and stay out of debt, we have articles that can help. Our mission is to help you meet your financial goals, and our team is dedicated to providing you with the education and resources that will make it possible for you to use credit cards to get to where you want to be. Explore hundreds of credit card advice articles below.
Bankrate Expert Credit Card Advice
Latest credit card advice articles
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My credit card issuer lowered my limit — what do I do?
Discover preventative measures and what to do if your limit was already cut.
7 min read May 30, 2025 -
Is it better to pay off your credit card or keep a balance?
Your credit score is better served by paying your balance in full.
6 min read May 30, 2025 -
What to do with an old or expired credit card
Here’s what to consider before you get rid of old credit cards.
6 min read May 29, 2025 -
Can credit card companies tell if you lie on an application?
Lying on your application can have serious consequences, so think twice before you submit.
5 min read May 28, 2025 -
Line of credit vs. credit card: What’s the difference?
While these two credit products are similar, there are key differences.
9 min read May 28, 2025 -
Can you get a business credit card without a business?
Can you get a business credit card for a side gig without owning a business?
8 min read May 28, 2025 -
What is an ATM card?
An ATM card looks like a debit or credit card, but it serves a different function.
4 min read May 27, 2025 -
How to switch credit cards with your issuer
If your card doesn’t match your needs, consider switching cards with your issuer.
5 min read May 23, 2025 -
Want a lower credit card interest rate? Just ask
Call your card issuer if you want a lower interest rate, and be ready to negotiate.
8 min read May 22, 2025 -
Is it safe to give an app my credit card information?
Giving card info to a trusted app is generally secure but still comes with risk.
5 min read May 20, 2025 -
Best credit cards for medical expenses
If you need to pay for surprise medical expenses with credit, make sure to pick the right card and pay off your medical debt as quickly as you can.
34 min read May 20, 2025 -
How long can a credit card charge be pending?
Pending credit card transactions may take a few days depending on the merchant.
5 min read May 16, 2025 -
Can I use my spouse’s income on credit card applications?
What you need to know about listing income on your credit card application
5 min read May 15, 2025 -
What do the numbers on your credit card mean?
Your credit card’s 15- or 16-digit number helps authenticate transactions.
5 min read May 14, 2025 -
What is a black credit card?
A black card is a type of extremely exclusive credit card.
8 min read May 14, 2025 -
Guide to chip and PIN credit cards
Chip and PIN credit cards are more secure than swipe cards. Here’s why.
5 min read May 13, 2025 -
How to get a cash advance with Capital One
How Capital One cash advances work and what you should consider before you request one.
6 min read May 13, 2025 -
Can you be liable for a spouse’s credit card debt?
You are generally not responsible for your spouse’s credit card debt unless you are a co-signer for the card or it is a joint account. But some state laws vary and you may be liable for this debt.
5 min read May 12, 2025 -
How to make payments with your phone
Here’s your guide to activating your phone’s mobile wallet.
10 min read May 12, 2025 -
What is an adjusted balance?
What is an adjusted balance, and how does it affect how much you pay in interest?
5 min read May 09, 2025