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Credit cards are unstructured debt accounts linked to a plastic card that allows the holder to make purchases from retailers that accept the card. Common credit card networks in the U.S. include Visa, MasterCard, Discover, and American Express.

3 votes

0% APR first 12 months on new credit card. Can I exceed that 30% rule of thumb and not hurt ...

Don't plan your finances around your credit score I cannot stress this enough, so I'll just repeat it: Don't plan your finances around your credit score. Don't even think about your credit score at …
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19 votes
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Is there any reason not to immediately use cash back balance to pay credit card?

Some cards offer bonuses for redeeming your cash back balance as gift cards for certain partner vendors. For example, Discover offers a 5% bonus for Apple gift cards, 20% for Chipotle gift cards, and …
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