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If you can't pay off your credit card balance, consider a debit card while you pay down that debt. If you're more prone to impulsively swiping your credit card online or in person, stick to using your debit card. If you already have credit card debt, don't add to it by continuing to use the credit card. You can also consider a prepaid debit card, which is similar to a regular debit card but isn't connected to a checking account. Fees no monthly service fee Annual Percentage Yield (APY) None Minimum Deposit Amount $0 Pros Check mark icon A check mark.

Persons: —, Cash Organizations: Service, Federal Reserve, Discover Bank Locations: Canada, Mexico, Caribbean

CNBC Select explains the drawbacks of buying a lottery ticket with a credit card and what to do instead. A credit card cash advance is when you withdraw money from your credit card, essentially borrowing cash against your card's line of credit. Cash advance fees typically amount to 3% or 5% of the total cash advance withdrawn. "If you use your credit card for these transactions, you may be charged a cash advance fee and a potentially higher cash advance interest rate." In a number of states, including Massachusetts and Georgia, buying a lottery ticket with a credit card is illegal.

Persons: Cash Organizations: CNBC, Axos, CNBC Select's, Facebook, Twitter Locations: Massachusetts, Georgia

☆ How Many Credit Cards Should I Have?
▼ + stars: | 2023-10-10 | by ( Gerri Detweiler | ) www.wsj.com time to read: +17 min

Use this guide to identify what kind of credit card user you are—and how many credit cards you should have. A secured credit card can be a smart option if you don’t have a very good credit score. Most small business credit cards require a good personal credit score and sufficient income from all sources, not just the business. However, many business credit cards don’t appear on consumer credit reports, which means they don’t impact your credit scores as long as you pay on time. Similar to choosing a personal credit card, pick your business credit cards based on your spending habits.

Persons: I’ve, you’ll, you’re, ”, Jeff Richardson, FICO, You’ll, You’re, airfare, — Organizations: VantageScore Solutions, Wells, U.S, Walmart, Amazon.com, Foods, Chase Travel, Amazon Prime, Visa, Amazon, Capital, Hertz, American Express, Card, Chase Locations: U.S, superstores

☆ Here's how to make money and get paid for user-generated content and UGC ads on platforms like TikTok
▼ + stars: | 2023-09-15 | by ( Marta Biino | ) www.businessinsider.com time to read: +6 min

TikTok has led to a surge in UGC, or user-generated content, ads. AdvertisementAdvertisementThe content feels native to TikTok and appears authentic, helping brands establish trust with consumers, agencies said. In fact, some brands prefer creators with small followings because their content is usually cheaper and feels more authentic. Read more about the frustration TikTok creators experience with building stable careers on the platformAnd it's not only a frustration with TikTok that's causing UGC to boom. AdvertisementAdvertisementRead the pitch deck Insense used to raise $2.5 million to help e-commerce brands find UGC creators

Persons: TikTok, Read, TikTok that's, Erin Confortini, Salha Aziz, @sociallyaziz, Aziz, Joseph Arujo, Danil Saliukov Organizations: UGC, Brands, SAG, Ford, Walmart Locations: TikTok, Delta

When you use your debit card abroad, you'll probably have to pay a foreign transaction fee. But know that you will pay foreign transaction fees on non-360 accounts. RobinhoodThe Robinhood Cash Management Account doesn't charge foreign transaction fees or out-of-network ATM fees. Debit card foreign transaction fees at other banksForeign transaction fee FAQsWhat is a normal foreign transaction fee? Betterment, Capital One 360, Charles Schwab, Chime, Discover, Robinhood, and Varo do not charge foreign transaction fees.

Persons: you'll, Charles Schwab, Robinhood, Chase Organizations: Visa, Mastercard, Banking, The Bancorp Bank, Stride Bank, N.A, FDIC, Visa . Capital, Schwab, Chase Sapphire ℠ Banking, HSBC

Rafael Henrique/SOPA Images/LightRocket via Getty ImagesSelect enrolled American Express cardholders can save up to 50% (maximum discount $80) on Amazon Prime Day purchases by using 1 Amex Membership Rewards point. You'll need a Membership Rewards points-earning card linked to your Amazon account to take advantage, and not everyone is eligible. $0 Rewards Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. $0 Rewards Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. This is a great opportunity to stack credit card rewards and deals with this promotion.

Persons: Rafael Henrique, Read, you’ve, Wells, We're, you'll, there's Organizations: American Express, Getty, Express, Amazon Prime, Service, Amazon, Card Wells Locations: Wall, Silicon

Tesla, which had previously stopped the referral program as it was too expensive, up to now has focused on real-time adjustments to prices posted on its websites. It revived the referral program recently to boost sales, analysts said. The EV sales market globally has become more competitive, forcing automakers to cut prices or boost incentives in several markets. The automaker has used its industry-leading profit margins as a weapon in the EV price war, putting pressure on both legacy automakers as well as cash-strapped EV startups. A number of Tesla owners in China posted their referral codes online and invited others to use them.

Persons: Tesla, Elon Musk, Garrett Nelson, Nelson, Needham, Chris Pierce, Ford, Chavi Mehta, Hyunjoo Jin, Shounak Dasgupta Organizations: Tesla, Thomson Locations: cashback, U.S, United States, China, Germany, France, Canada, Mexico, Hong Kong, Singapore, Bengaluru, San Francisco

☆ The Best Debit Cards for Kids and Teens
▼ + stars: | 2023-07-02 | by ( Kerri Anne Renzulli | ) www.wsj.com time to read: +15 min

Banks, credit unions, financial technology companies and even investment firms all offer debit cards geared toward under 18-year-olds. With Greenlight, children receive a physical debit card with their name on it. In addition to its abundance of customizable features, Greenlight also rises above other kids debit cards thanks to the educational tools and games included in its app. This is possible because the Step Visa Card is not technically a debit card, though it functions very similarly. How we pickedTo pick Buy Side from WSJ’s Best Debit Cards for Kids and Teens, we looked at card options available to those under the age of 18, including prepaid debit cards, checking account-linked debit cards, secured credit cards and brokerage account-linked debit cards.

Persons: Kerri Anne Renzulli, they’ve, Banks, we’ve, Greenlight, Chase, it’s, Side’s, —, Equifax, Roth Organizations: Community Federal Savings Bank, Capital, Teens, Chase, Teen, Fidelity, Learning, Kids

☆ Costco Anywhere Visa Business Card by Citi review
▼ + stars: | 2023-06-22 | by ( Holly Johnson | ) edition.cnn.com time to read: +13 min

Digging into the Costco Anywhere Visa Business CardThe Costco Anywhere Visa Business Card earns bonus cash back on gas, both at Costco and other gas stations. iStockThe Costco Anywhere Visa Business Card is a business credit card that’s geared to small business owners and entrepreneurs, yet it works best for Costco members who already pay for a membership. Advantages of the the Costco Anywhere Visa Business CardCostco only accepts Visa credit cards in its stores, so the Costco Anywhere Visa Business Card is a good choice for business owners who shop at the wholesale store. Stacking the Costco Anywhere Visa Business Card up against our benchmarkCNN Underscored uses the Citi® Double Cash Card as our “benchmark” credit card. Remember, you don’t have to commit to carrying the Costco Anywhere Visa Business Card as your only business credit card.

Persons: Cash Organizations: CNN, American Express, Costco, Citi, EV, Costco Gold Star, Card Costco, Citi Entertainment, Cash, Citi Premier ℠, ℠, Mastercard, Chase, Ink, Visa, Capital, Venture Locations: U.S, New York

Our experts answer readers' personal loan questions and write unbiased product reviews (here's how we assess personal loans). Secured personal loans are backed by collateral just like other types of secured loans, but for personal loans, they're a bit different. Compare Personal Loan RatesWhen is a line of credit better than a personal loan? Interest rates for personal lines of credit and credit cards tend to run higher, on average, than those for personal loans. Interest rates for personal lines of credit and credit cards tend to run higher, on average, than those for personal loans.

Persons: —, Dani Pascarella, Pascarella, You'll, might've, caterer Organizations: Service, Chevron

Review: Is Discover it® Balance Transfer the Best Credit Card for You? Discover it Balance Transfer Card RewardsThe card offers a generous cash-back rewards structure. With the 0% intro APR on balance transfers, there's an intro balance transfer fee of 3% of the amount of each transfer that post to your account by September 10, 2023. Yes, the Discover It Balance Transfer Credit Card allows balance transfers. Yes, the Discover It Balance Transfer Credit Card has an an intro balance transfer fee of 3% of the amount of each transfer.

Persons: you've, you’ve, Cardholders, It's, cardholders, you'll Organizations: Discover, Reading Chevron, Wholesale, PayPal, American Cancer Society, Children's Miracle Network, Diabetes Research Foundation, World Wildlife Fund, JCB, U.S, Bank Locations: Japan, skylines

How to Apply for a Credit CardYou can apply for your first credit card in person, by mail, on the phone, or online, and if your credit is good, you'll have your pick of various cards and credit card companies. Use your credit card responsiblyMoving from a debit card to a credit card is a crucial transition, as sudden access to all those borrowed funds can produce a temptation to overspend. How to Get a Credit Card Frequently Asked QuestionsWhat happens if my credit card application gets rejected? If your credit card application gets rejected, you'll receive an adverse action letter from the credit card company. And even those without extensive credit histories can apply for a starter credit card or a secured credit card to begin building up the necessary foundation.

Persons: there's, you’ve, Wells, We're, You'll, it's, you've, you'll Organizations: Card Wells, Social

Our list of the best student credit cards features two Discover credit cards: the Discover it® Student Cash Back and the Discover it® Student chrome. Compare Discover it Student Cash Back and Student Chrome Discover it® Student Cash BackDiscover it® Student chrome Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. Read our review Read Our Review A looong arrow, pointing rightNeither the Discover it® Student Cash Back nor Discover it® Student chrome offer a conventional welcome bonus. In case it's not clear at first glance, the rewards structure offered by the Discover it® Student Cash Back is almost universally preferable to that offered by Discover it® Student chrome. Given the similarities between the Discover it® Student chrome and Discover it® Student Cash Back, a comparison of the two boils down to their different rewards structures, and on that count, the Discover it® Student Cash Back is unequivocally superior.

Step, a mobile banking platform geared toward teen customers, announced Wednesday that users may now earn 5.00% annually on savings balances of up to $250,000. View Full Details Start banking Step, FDIC Insured AccountStep - Banking for Teens Start banking Step, FDIC Insured Account Details Rewards Earn rewards by using a Step Visa Card at qualifying merchants — restaurants, clothing stores, gas stations, and more. Annual Fee $0 Recommended Credit No Credit Regular Annual Percentage Rate (APR) None Editor's Rating 4.2 /5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.2 out of 5 Stars Pros & Cons Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. Other savings account optionsIf you do not qualify to earn 5.00% at Step or want to consider other options, here are some accounts from our best savings account guide that you might like:Alliant Kids Savings Account: This is listed as our top pick for kids. Once a child turns 13, they'll be able to open a teen checking account; the Alliant Kids Savings Account can remain as their savings account.

Our experts answer readers' credit card questions and write unbiased product reviews (here's how we assess credit cards). Plus, the existing TD Double Up℠ Visa Credit Card and TD Cash Credit Card each got a makeover, with customer-friendly updates that make it easier to earn maximum rewards. Here's a look at the new TD credit cards and existing card improvements to help you decide if they're worth it. TD credit card changesNew TD credit cardsThe new TD Clear and TD FlexPay Credit Card aren't for folks who love to earn and use credit card rewards for free travel or cash back. Enter the newly remodeled TD Cash Credit Card: While it's always offered strong bonus categories, they were previously fixed.

☆ How an ex-police officer made $12 million in 3 years after buying ATMs for $2,100 and operating them as a side hustle
▼ + stars: | 2023-05-06 | by ( Laila Maidan | ) www.businessinsider.com time to read: +9 min

By 2021, he quit his job and began providing ATM machines for others. His company Merchant Task Force, which provides credit-card terminals, shows an income of $844,000 and a net profit of $742,000 for the same period. They had a net profit of about $250 to $500 a month per location from fees charged for withdrawals. When he purchased his first set of six machines, Alex assumed he got a good discount, which was $2,100 an ATM. Each brought in anywhere from $250 to as much as $1,500 a month in net profit.

Pros Check mark icon A check mark. Competitive APY Check mark icon A check mark. Easy to save for various goals Check mark icon A check mark. Pros Check mark icon A check mark. Competitive APY Check mark icon A check mark.

☆ Adtech giant The Trade Desk strikes deal to solve one of marketers' biggest challenges in the $80 billion retail media space
▼ + stars: | 2023-05-02 | by ( Lara O'Reilly | ) www.businessinsider.com time to read: +4 min

The Trade Desk wants to take a bigger slice of the $80 billion retail media market. Adtech giant The Trade Desk has landed a partnership that aims to solve one of advertising's biggest challenges in the $80 billion retail media space: getting timely data on how their ads are driving sales across multiple retailer sites and stores. Attain, which will charge advertisers on a CPM, or cost-per-thousand-impressions basis, will offer The Trade Desk advertisers metrics including sales, return on ad spend, and conversion rates. The Trade Desk is the largest independent adtech firm, and the company's moves typically indicate where the industry is investing. The Trade Desk is set to release its latest earnings report on May 10.

Students with a limited credit history are unlikely to be approved for the best credit cards, and even some student credit cards require good to excellent credit. Step is a secured credit card that has a dynamic credit limit that is attached to the bank account balance -- it operates like a debit card but it is a credit card, which is what enables the unique credit building feature. Best Credit Cards for Students With No Credit of 2023Methodology: How we chose the best credit cards for students with no creditInsider's credit cards team looked at dozens of student credit cards, secured credit cards, and starter credit cards and narrowed down the list by choosing only those that students with limited or no credit have a good chance of qualifying for. Credit Cards for Students With No Credit Frequently Asked Questions (FAQ)Which credit card is best for students with no credit? US Bank Altitude Go Secured Credit Card ReviewBest for Students Under 18Step Secured Visa CardWhile credit card accounts are only available to those aged 18 and over, the Step Secured Visa Card offers a solution for students looking to build credit who haven't yet reached legal adulthood.

MECU bank accounts Municipal Employees Credit Union of Baltimore RealSaver AccountMunicipal Employees Credit Union of Baltimore RewardChecking AccountMunicipal Employees Credit Union of Baltimore Regular Share CertificateMunicipal Employees Credit Union of Baltimore Money Market Account Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. Municipal Employees Credit Union of Baltimore RealSaver Account Learn more Municipal Employees Credit Union of Baltimore, NCUA insured. Municipal Employees Credit Union of Baltimore RewardChecking Account Learn more Municipal Employees Credit Union of Baltimore, NCUA insured. Municipal Employees Credit Union of Baltimore Regular Share Certificate Learn more Municipal Employees Credit Union of Baltimore, NCUA insured. Municipal Employees Credit Union of Baltimore Money Market Account Learn more Municipal Employees Credit Union of Baltimore, NCUA insured.

The Best 2% Cash Back Credit Cards of April 2023In terms of versatility, cash back is the most flexible credit card reward. View Full Details $0 Annual Fee Apply now On Wells Fargo's websiteWells Fargo Active Cash® Card Apply now On Wells Fargo's website Best all-around 2% cash rewards credit card Details Rewards Earn unlimited 2% cash rewards on purchases. Best All-around 2% Cash Rewards Credit CardThe Wells Fargo Active Cash® Card has no annual fee and earns a flat 2% cash rewards on purchases. Wells Fargo Active Cash card reviewBest 2% Cash Back Card for Balance TransfersLong considered the best cash back credit card, the Citi® Double Cash Card still holds its own despite new offerings from other issuers. How to Choose a 2% Cash Back Credit Card2% cash back credit cards offer some of the simplest credit card rewards around, and they're great for people who don't want to deal with bonus categories, transferring points, or shuffling several cards to get the best return on spending.

Rocket Mortgage customers can get a huge value from the new Rocket Visa Signature Card. David Sacks/Getty ImagesThe new Rocket Visa Signature® Card is hands-down the best credit card for those looking to close on a house. The new Rocket Visa Signature® Card is the closest we've ever seen to a "5% everywhere" credit card. As you may have guessed, the Rocket Visa Signature® Card was created to thrive within the Rocket Mortgage ecosystem. Rocket credit card rewardsThe card earns 5 Rocket points per dollar for all purchases.

Best 5% Cash Back Credit Cards of May 2023Read on to see our picks for the best 5% credit cards and learn which ones best suit your needs. 5% Cash Back Credit Card Frequently Asked Questions (FAQ)Is there a credit card that earns 5% cash back on everything? Compare the Best 5% Cash Back Credit Cards Chase Freedom Flex℠Discover it® Cash BackCiti Custom Cash℠ CardU.S. Bank Cash+® Visa Signature® CardInk Business Cash® Credit Card Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. US Bank Cash Plus Card ReviewBest for Small Business PurchasesInk Business Cash Credit CardIn some respects, the Ink Business Cash® Credit Card crushes others on this list. Chase Ink Business Cash Credit Card ReviewHonorable MentionStore Credit CardsIf you do a high volume of spending with a single retailer, then a store credit card may be your best option.

Best 5% Cash Back Credit Cards of April 2023Read on to see our picks for the best 5% credit cards and learn which ones best suit your needs. 5% Cash Back Credit Cards Frequently Asked Questions (FAQ)Is there a credit card that earns 5% cash back on everything? Compare the Best 5% Cash Back Credit Cards Chase Freedom Flex℠Discover it® Cash BackCiti Custom Cash℠ CardU.S. Bank Cash+® Visa Signature® CardInk Business Cash® Credit Card Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. US Bank Cash Plus card reviewBest for Small Business PurchasesInk Business Cash Credit CardIn some respects, the Ink Business Cash® Credit Card crushes others on this list. The main drawback of the Ink Business Cash® credit card is its limited selection of 5% cash back categories.

Bank of America Customized Cash Rewards Cash BackBank of America Customized Cash Rewards bonusNew Bank of America® Customized Cash Rewards Credit Card cardholders can earn $200 cash rewards bonus after you spend $1,000 on purchases within 90 days of account opening. How to earn cash back with the Bank of America Customized Cash Rewards credit cardThe Bank of America® Customized Cash Rewards Credit Card has major appeal for folks looking to earn cash back on multiple spending categories. Bank of America Customized Cash Rewards Benefits and Featuresthe Bank of America® Customized Cash Rewards Credit Card doesn't have many other benefits, but this is common with no-annual-fee credit cards. Bank of America Customized Cash Rewards Annual Fee and Other CostsThe Bank of America® Customized Cash Rewards Credit Card has a $0 annual fee. Methodology: How we reviewed the Bank of America Customized Cash RewardsIn our review process, we compared the Bank of America® Customized Cash Rewards Credit Card to competing no-annual-fee cash back cards, especially those that allow you to customize your bonus categories.

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