If you have no credit history, some people/sites may lead you into getting credit cards that have an annual fee or some sort of payment involved to get credit and establish a history. However you almost never need to go that way. You have several options depending on whether you are a student or not….

If you have too many credit cards to manage, you can simplify things by merging credit cards that are offered by the same bank. All banks do that for you in a single call. The credit card merger will give you one card that has the combined credit limit of both the cards. This will…

You can get one credit report from every credit reporting agency free per year from annualcreditreport.com, however they still charge you if you want to see your FICO credit score. Providian offers your credit score free every month if you have any Providian Credit Card, at their website. Also offered are alerts if your score…

At one time I had about 15 or so different credit cards from major banks offering all kinds of rewards including points, cashback, miles etc. Personally I have a lot of miles, and I’m not interested in getting miles from credit cards. Also most credit cards that offer miles are not great unless they have…