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1 month ago | 
bankrate.com | Benet Wilson |Benét J. Wilson |Poonkulali Thangavelu |Alice Lesperance |Stephanie Zito
Signatures traditionally served as a security measure on credit card transactions, verifying ownership by matching signatures at the point of sale.
With the introduction of chip-and-PIN technology, networks often won’t require a card signature, but some retailers still require credit card transactions due to older systems, broken chip card readers or the need to accept tips. The role of signatures in credit card transactions is likely to decrease as technology becomes more sophisticated.
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1 month ago | 
bankrate.com | India Davis |Ana Staples |Liza Carrasquillo |Stephanie Zito
You can link your accounts, including credit cards, to PayPal to easily send and receive money. Using a credit card on PayPal might seem convenient, especially if you’re looking to score some credit card rewards; however, that convenience comes with rates and fees. PayPal charges fees when you use a credit card to make a transfer, and your card issuer might categorize such transactions as cash advances.
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Nov 26, 2024 | 
bankrate.com | Steve Bucci |Alice Lesperance |Stephanie Zito
An Individual Taxpayer Identification Number (ITIN) is a tax processing number issued by the IRS for individuals who are not eligible for a Social Security Number. Many lenders and credit card issuers accept an ITIN in place of an SSN for credit card applications. It’s important to consider secured cards or student credit cards as options for obtaining a credit card with an ITIN.
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Nov 18, 2024 | 
gmtoday.com | Stephanie Zito
—Trip cancellation and interruption insurance reimburses travelers for prepaid expenses when their trip is canceled or interrupted due to circumstances beyond their control. —This coverage only applies in specific situations such as illness, injury, natural disasters or financial defaults by travel providers. —Optional coverage options, such as “cancel for any reason” or “interrupt for any reason” insurance, can provide more flexible coverage but come with a higher cost.
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Nov 18, 2024 | 
thederrick.com | Stephanie Zito
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Nov 7, 2024 | 
bankrate.com | Stephanie Zito |Madison Hoehn
Trip cancellation and interruption insurance reimburses travelers for prepaid expenses when their trip is canceled or interrupted due to circumstances beyond their control. This coverage only applies in specific situations such as illness, injury, natural disasters or financial defaults by travel providers. Optional coverage options, such as “cancel for any reason” or “interrupt for any reason” insurance, can provide more flexible coverage but come with a higher cost.
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Oct 30, 2024 | 
bankrate.com | Poonkulali Thangavelu |Liza Carrasquillo |Stephanie Zito
High credit card interest rates can make it harder to get out of debt for those carrying a balance on their credit cards from month to month. Credit unions and smaller banks tend to offer lower interest rates than large issuers, according to data from the Consumer Financial Protection Bureau. If you’re planning on carrying a balance on your credit card, you’ll save money in the long run by using a card with a lower-than-average APR.
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Oct 30, 2024 | 
bankrate.com | Nicole Dieker Finley |Madison Hoehn |Stephanie Zito
Using your credit card wisely starts with understanding your card agreement and the rules you must follow to avoid high interest rates, penalties and fees. Responsible use also involves paying on time and, when possible, in full, as well as keeping balances low. Pairing multiple credit cards together can maximize your rewards, but be mindful not to overspend or you might wind up canceling out the rewards you earn by paying interest on your cards.
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Oct 25, 2024 | 
bankrate.com | Ariana Arghandewal |Brooklyn Lowery |Stephanie Zito
American Express cards are often seen as a status symbol and known for their rewards potential. But there are a few rules to keep in mind before applying for an Amex card. Generally, you can only earn a welcome bonus once on an Amex card. And you can only have five personal or business Amex cards in your wallet at a time. When applying for Amex cards, you’ll only be approved for a card once every five days, and only approved for two cards within 90 days.
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Oct 24, 2024 | 
bankrate.com | Erik Martin |Daniella Ramirez |Stephanie Zito
FICO and VantageScore credit scores span from 300 to 850. The higher your score, the more likely you are to secure loans, credit cards and financing options with better terms and lower interest rates. Different factors are considered when calculating your credit score, including your payment history, amounts owed, length of credit history, new credit accounts and your credit mix.
