21 is the legal age to do a lot of things, including opening a credit card account without a cosigner. At 21, you can legally take financial matters into your hand and manage your own credit. However, there are certain things you need to consider before you apply for your own credit card and open you own credit account.

Holidays are meant to give you a well-deserved break from your everyday life. The more comfortable you are during your holiday, the more fun you will have. You may not be aware of this, but your credit card can make your holiday travel easier and simple. This is especially true if you are traveling to another country.

Due to the increasing instances of identity theft, more and more consumers are realizing the importance of monitoring their financial accounts. You should always be careful about sharing your personal information with others. If you have been a victim of identity theft, you need to take actions immediately. Take these steps after hackers steal your credit card information.

Credit cards can help you enjoy more purchasing power and allow you to build your credit score. However, they can also get you in trouble. The increasing cost of living across the globe has also led to higher dependency on credit cards. Consumers use credit cards to fill the gap between their income and their expenses.

One of the repercussions of a bad breakup is that your ex-partner or ex-spouse may covertly use your credit card information, which may adversely affect your credit history. Also, if you have a joint account with your ex, the risks of your credit getting damaged would be higher and you may end paying huge bills.

A credit card is one of the easiest tools to navigate your finances through this economy. With different rewards and lucrative deals on offer, credit cards have made it simpler to make purchases and increase your credit score as well. If used carefully, there is a lot of things you can do with your credit card.

Set up in the year 1974, the Fair Credit Billing Act was enacted to provide security to consumers and to protect them from unfair credit card practices. Ever since then, this act has helped to solve a number of credit card disputes and have helped consumers get a fair verdict to reclaim their hard-earned money.

It is common knowledge that credit cards make it quite easy to make purchases and pay bills, especially when you don’t have sufficient balance in your bank account. Also, you must have learned from your parents that credit cards help to increase your credit score. Maybe, you also know that credit cards make it easy to get approvals for loans and mortgages.