Wells Fargo Credit Limit Increase: Rules and Eligibility
For cardholders looking to finance a major purchase or improve credit utilization, insufficient credit limits can prevent them from reaching their goals. Fortunately, most credit card issuers allow users to request a higher line of credit on their cards, which instantly reduces credit usage and increases payment flexibility. By strategically taking advantage of a high […]
Credit Card Merchant Fee: Processing Fee, Exchange
The costs of accepting credit card payments can be one of the most confusing and frustrating fees small business owners face. This is not surprising: business owners don’t pay just one commission when closing a sale with a credit card. Instead, business owners pay commissions to three different parties whenever customers make purchases using plastic. […]
Click to pay: how it works
Goodbye Amex Express Checkout, Masterpass and Visa Checkout. Say hello to something with a simpler unified name: Click to Pay. In October 2019, four major credit card payment processors—American Express, Discover, Mastercard, and Visa—introduced secure remote commerce in the United States. It is designed to simplify the online payment process and further protect your personal […]
Gift tax: how much can you give without tax?
When your (very) generous Aunt Betty slips you a $5,000 check on your birthday, do you have to pay taxes on her cash gift? And when you send an annual donation to your favorite charity or alma mater, does anyone pay taxes on that gift? The answer in both cases is no, although, as silly […]
US lags behind China as renewable energy sector adds 700,000 jobs worldwide
With oil supply disruptions around the world and gas price spikes, now is the perfect time to hook up your van to renewable energy. Renewable energy employment globally reached 12.7 million last year, a jump of 700,000 new jobs in a year, despite the lingering effects of COVID-19 and the deepening energy crisis, according to […]
Should you insure your engagement ring?
When you finally find that gem of a person you want to spend the rest of your life with, getting a new gem to cement your attachment can be the perfect next step. But should you insure your engagement ring (sometimes called jewelry insurance)? We have created this complete guide to help you decide for […]
Bear Market vs Bull Market: What’s the Difference?
“I don’t know. I feel a little bearish.” If you hear one of your investor friends say this out of context, it might sound like he’s hungry. Or hairy. Or ready to help Leonardo DiCaprio get an Oscar in survivor. But in the world of investing, “bearish” means something very different. A bull or bear […]
The Best Soft Credit Cards of 2021
If you’re hoping to get a credit card while minimizing the impact on your credit score, subsidized credit cards may be the answer. However, credit cards that only require a soft confirmation for approval are rare, and the few available cards that fall into this category are far from the best. However, if you’re just […]
Chase Freedom Flex Benefits Guide
Depending on how you spend, you can earn a lot of money with Chase Freedom Flex℠. This card rewards changing categories throughout the year – such as purchases you make at wholesale clubs, grocery stores, or gas stations – in which you get a 5 percent refund (on purchases up to $1,500 per quarter after […]
Discover Cash Back rewards and benefits
Discover it® Cash Back is one of the few credit cards that offer rewards in rotating categories. When you combine this card’s generous cashback features with its other benefits and perks, Discover it cashback offers great value without the annual fee. For starters, Discover it Cash Back offers a 5 percent cashback on popular categories […]