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Amex Financial Relief program

New Amex Financial Relief Program

Amex has announced in March a new Financial Relief Program to help card holders who can’t afford to make payments due to Covid-19. The program offers up to 60 months payment plans with reduced monthly payments, reduced interest rates, and waived fees. I believe...
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Know the Approval Rules Set by Credit Card Issuers

Credit applications are free, but why apply if you do not even stand a chance to get approved (you’re just wasting a credit inquiry). Most credit card issuers have set rules on credit card approvals. If you do not meet these rules, then you will automatically...
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Credit Card Doctor

Are Credit Cards Still Approving? We Interviewed 25 Applicants- Here Is The Results

Every business was effected from the coronavirus one way or another (or both). Credit card companies have tightened their belts as well. But is it impossible to get approved for a credit card now? At HelpMeBuildCredit we interviewed 25 applicants who...
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covid 19 financial impact

Covid -19: Over 50,000,000 Americans Have Seen Their Credit Limits Cut

We find ourselves in a pandemic which seems to be sticking around for the foreseeable future. Fatal tragedies aside, Covid-19 has taken our credit lines on a roll.  Credit card companies appear to be tightening their belts as about 50 million Americans have seen...
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Will A Credit Line Increase Result In A Hard Credit Pull?

As you move on in life, your expenses grow, so you will want to increase your credit line. Therefore, you will probably ask your bank for a credit line increase. Your bank may want to make a credit inquiry, commonly known as a hard pull, on your credit report....
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Secured Credit Cards – Everything You Need To Know

Are you looking to build or rebuild your credit? That’s smart! But, hey! Banks are not your buddy. They won’t lend you money just based on trusting that you’re an honest guy. They need proof that you will repay them. They want to see a track record where...
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Compare The Top 2% CashBack Cards

Credit card reward points are great. Stacking up millions of them is even greater. But, as we are now in a time where no one is really traveling, it would make more sense for us to focus on the good old cashback credit cards, rather than the fancy travel rewards...
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What Factors Are Not Factored Into Your Credit Score

Your credit score is only a three-digit number. But, this three-digit number is one of the most valuable and important assets you own. Life, by someone with a bad score, is not the same as with someone who thankfully has a good credit score. It is important to know...
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Master list Of Benefits And Credits Being Added To Amex Credit Cards

Amex is giving a mini-stimulus package to its premium cardholders. Last week they added a whole lot of new benefits, and this week we got word of some sweet appreciation statement credits being added to refund part of the annual membership fee. Amex has previously...
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Kosher Groceries – How Each Is Categorized For Bonus Rewards

The kosher Jewish food industry is booming. An average kosher family spends hundreds if not thousands in the grocery each week. Thankfully some cards earn increased rewards on grocery shopping The Amex Blue Cash Preferred earns 6% cashback on US grocery purchases and...
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Secured Credit Cards – Everything You Need To Know

Are you looking to build or rebuild your credit? That’s smart! But, hey! Banks are not your buddy. They won’t lend you money just based on trusting that you’re an honest guy. They need proof that you will repay them. They want to see a track record where...
Read More

Building Credit With a Store Card

One of the classic, old school ways of starting to build credit was by first applying for a store card.  What Is a Store Card? A store card is a credit card offered by a store or brand, for example, Gap, Kohl’s, Home Depot, etc. The credit card is designed...
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Key Differences Between an Authorized User and a Joint Account

If you own a credit card, you most probably already heard the term Authorized User, but did you ever hear of a Joint or Co-Applicant? Joints and co-applicants are a much less common term in the world of credit cards, as it is not even an available option by...
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Building Credit Using a Student Card Rather Than a Secured Card

You can’t build credit without a credit card, but you can’t get approved for a credit card without credit. This is the building credit catch 22. The old school solution was applying first for a secured credit card. With a secured credit card, the bank will ask you for...
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Know the Approval Rules Set by Credit Card Issuers

Credit applications are free, but why apply if you do not even stand a chance to get approved (you’re just wasting a credit inquiry). Most credit card issuers have set rules on credit card approvals. If you do not meet these rules, then you will automatically...
Read More

Will A Credit Line Increase Result In A Hard Credit Pull?

As you move on in life, your expenses grow, so you will want to increase your credit line. Therefore, you will probably ask your bank for a credit line increase. Your bank may want to make a credit inquiry, commonly known as a hard pull, on your credit report....
Read More

Secured Credit Cards – Everything You Need To Know

Are you looking to build or rebuild your credit? That’s smart! But, hey! Banks are not your buddy. They won’t lend you money just based on trusting that you’re an honest guy. They need proof that you will repay them. They want to see a track record where...
Read More

Compare The Top 2% CashBack Cards

Credit card reward points are great. Stacking up millions of them is even greater. But, as we are now in a time where no one is really traveling, it would make more sense for us to focus on the good old cashback credit cards, rather than the fancy travel rewards...
Read More