Learn
Learn
Five short guides that answer one question each. They use hypothetical examples and link to primary sources such as the CFPB and the FTC.
- 01
Secured vs. unsecured cards: what changes?
How secured and unsecured credit cards differ in deposits, costs and credit reporting, and what to check on each before you apply.
Read guide: Secured vs. unsecured cards: what changes? - 02
Annual fees vs. security deposits
An annual fee is a cost; a security deposit is money you set aside. Learn how to compare them and where to find each in a card agreement.
Read guide: Annual fees vs. security deposits - 03
Prequalification vs. approval: what to check
“Prequalified”, “prescreened” and “pre-approved” are marketing words, not approval. Learn what to check and how inquiries work.
Read guide: Prequalification vs. approval: what to check - 04
How credit utilization is calculated
Credit utilization is the share of your available credit that you are using. See the formula, a worked example and what to keep in mind.
Read guide: How credit utilization is calculated - 05
What to review before your first card application
A short pre-application routine: decide what you need, read the real costs, understand inquiries and apply directly with the issuer.
Read guide: What to review before your first card application
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