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19-Dec-2017 15:49 by 9 Comments

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That’s why it’s important to have a sense of how a prospective issuer would view your qualifications.Step one is to consult your borrowing rap sheet – a.k.a. You’re entitled to one free credit report a year from each of the three credit bureaus – Experian, Transunion and Equifax.

Here’s how you do it for your Chase and Discover cards.

Go to to order your reports gratis, and make sure to contact the bureaus if you spot errors.

An appropriate sense of your creditworthiness will help when you apply.

First time borrowers should go after cards designed to build up their credit histories, such as the Northwest FCU First Card.

A recent study by Nerd Wallet found that millennials with low credit scores apply, and are rejected, for more cards than young borrowers with better scores. Do Use the Right Card at the Right Place and Time You need a certain amount of constant vigilance to take advantage of a rewards card.

When used correctly, credit cards can dramatically help your financial life.

A great score, for instance, means you’ll pay less when it comes to borrowing money for a house or a car.Misused tools, though, cause damage, and credit cards are no different.If you’re not careful, you can sink into debt and hurt your ability to borrow money cheaply in the future.That way you avoid a late payment fee – usually around – and a hit to your credit score.Remember, 35% of your FICO score is determined by your payment history.The average household credit card debt is nearly ,000, per Card Hub, and families with more income tend to have more credit card debt than those who make less.