For decades Citibank has been synonymous with MasterCard, so why did 2012 usher in the Citi Dividend Visa? And is it better or worse than the previous version? You see up until a few years ago, banks were not allowed to issue credit cards under both payment networks. For example, Bank of America was a [...]

Being that I have a credit card blog, it may sound ironic for me to talk about how to build your credit without a credit card. Does that make any sense? Yes, actually it does. I understand credit cards aren’t appropriate for everyone. For me and vast majority of the forum members, we use them [...]

I’ve received quite a few questions about the Visa Infinite credit card so I thought it was time to explain what’s fact and what’s fiction. What is it? So what is Visa Infinite? Well as you know, Visa issues cards in different tiers. While most of us know the Classic, Gold, and Platinum levels. On [...]

Is it possible to apply for a credit card with a soft pull inquiry? This is a question I get asked a lot. Obviously the fewer hard inquiries you have on your credit report, the better. But can you really get a new card using only a soft credit check? Usually not, but sometimes you [...]

Q: I am 5 months post-bankruptcy and want to get my credit back on track. Can you tell me why the PNC Bank credit card application is not available on their website, at least from what I see? Do I need to apply in-person for it? A: I didn’t see it up there either, but [...]