Jess Ullrich

6 days ago | finance.yahoo.com | Jess Ullrich

There’s no disputing that a secured credit card may help you build credit when used wisely. That said, secured cards often have minimum security deposits and high APRs. Plus, card issuers often do a hard credit check when determining if you qualify. The Varo Believe Card is different. This no-interest card doesn’t require a security deposit or a credit check, and you won’t pay any fees either. Sound too good to be true? It isn’t, but there are a few crucial things to know before you apply.

2 weeks ago | mediafeed.org | Jess Ullrich

What do most business loans have in common? Besides helping businesses grow, these loans typically come with strict eligibility requirements. Chief among them? A strong financial history. Many lenders hesitate to offer financing if your business is just starting out or has limited capital to show. This creates a significant roadblock for entrepreneurs seeking to expand.

2 weeks ago | lendedu.com | Jess Ullrich |Michael Menninger

Refinancing a student loan involves replacing an old loan with a brand-new one. While you might decide to refinance for a few reasons, it’s common to go this route if you want a lower interest rate or a different repayment term. There are no restrictions on how often you can refinance your student loans. So if rates decline in the future and you’ve already refinanced once before, you can do so again, provided you meet lenders’ qualification requirements.

1 month ago | money.com | Jess Ullrich |Kaitlin Mulhere

Americans are struggling to keep up with their credit card bills. The share of cardholders making only the minimum payment recently hit a 12-year high, and delinquency rates have been climbing over the past year, according to the Federal Reserve Bank of Philadelphia. If you're trapped in the cycle of barely affording your minimum payments each month — or worse, you've already fallen behind — debt relief is one path to getting your finances under control. But it’s not right for everyone.

1 month ago | money.com | Jess Ullrich |Kaitlin Mulhere

The total credit card debt in the U.S. climbed to over $1.2 trillion at the end of last year, up 4.0% from just a year prior, according to the Federal Reserve. Credit cards have some of the highest interest rates of all financing types, and growing high-interest debt can make it increasingly difficult to pay down your balances. If you’re among the Americans struggling to manage your credit card debt, there are a few ways you can take control and pay off your balances.