Using Credit Responsibly

Credit card limits are simply the amount of credit that is extended to you by a credit card company. Keep your spending under the limit, and know when it’s smart to request an increase.

Do you know what your debt-to-income ratio is? A lender will want to know, and so should you. Use this easy debt-to-income calculator to find yours.

Becoming an authorized user on a parent’s or spouse’s credit card can be a smart way to build credit. But it’s not without risks.

If you only have 15 seconds to learn how credit works, memorize the graphic above. It shows you the six key factors that make up … Read more

Maintaining a good credit score is vital if you want to be approved for loans or credit cards. Follow these tips and you’re sure to stay in good standing.