Credit cards are convenient, powerful tools to help build your credit, make big purchases, and practice financial responsibility. But credit cards can be complicated. From interest rates, to balance transfers, to late fees and due dates, keeping up with all of the info is a lot. Here’s 4 tips that every credit card user should know:

Trying to improve your credit score? Those three little numbers can be crucial if you want to rent an apartment, buy a car, or open low rate, high benefit credit cards. Here are five ways you can boost your credit score and own your future!

1) Leave accounts open

Before you make the decision to close an account, make sure you check if closing the account will negatively affect your credit score. One of the biggest factors in calculating your credit score is the length of time your account has been established, so keeping cards, even when you don’t use them, can help your score.

Every year, we make tons of resolutions. We sign up for a gym membership and vow to get healthy, we swear to ourselves we’ll start going to bed on time, and we make promises to become healthier, happier people.  But this year, the best resolutions you can make are the ones that affect your finances. Help nurse your credit score back to health, make your checking account happier, or invest in your future and start down the path of a healthier, happy financial year.

College is the start of your adult life, and you'll start to see some changes in your day to day routine. From paying rent, to grocery shopping, to managing your free time and homework schedule, college comes with a lot of responsibilities you've never had to consider. One of these considerations is your personal finances. You might be wondering, "Where do I even start?". We hear you. Here's 5 helpful tips from our friends at Money Under 30 to follow as a college student getting started in your financial journey. 

Improving your credit score is imperative for saving money because it allows you to qualify for larger loans and better interest rates. Though your credit score may seem like some mysterious beast you have no control over, you can actually improve it with some small lifestyle changes.

So you want to know how you can establish or re-establish your credit history? This is an important issue because having a good credit score is essential for obtaining good credit. The information in your credit report is used by potential creditors to determine if you are a good risk. You can help yourself establish or re-establish a good credit history by following these 11 simple steps: