11/28/2023 0 Comments Compare credit cards![]() Inflation is impacting our everyday spending in so many areas, including at the grocery store and the gas pump. The chance to earn rewards can be a lifesaver for many people – especially if you’re on a budget. Some cards will let you earn rewards on all your spending, but some have spending caps, which are limits on credit card rewards. Or it could be a flat rate for all of your everyday purchases. This could be spending done in certain categories, like supermarkets, gas, or restaurants. Rewards credit cards typically offer points, miles or cash back based on a percentage of your spending. For more information, check out how to get your credit score. Thanks to Experian’s VantageScore and the FICO Score Open Access program, hundreds of financial institutions are able to provide free credit scores to consumers, including your credit card issuer. There are a number of ways you may be able to get your credit score for free. On top of that, the credit card issuer will perform a hard credit check on your credit report, which will cause your score to drop a little bit with each application. And if you apply for a credit card you aren’t qualified for, you’re likely to be denied. Some credit cards have lower interest rates and better perks which you’ll miss out on. If you apply for a credit card you’re overqualified for, your application is likely to be accepted, but you won’t be doing yourself any favors. ![]()
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