Credit Education

4 Actions That WILL NOT Impact Your Credit Score

By: Noreen Ruth · March 17, 2017

Categories: Credit Education, Credit Guide

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Your credit score is vital to your financial future and the implications of every action you take should be considered. There are obvious things that can lower your credit score, such as defaulting on a loan or filing for bankruptcy; while moves that can have a positive impact include paying your bills on time and […]

Methods for Calculating Interest Charges

By: asapcc · February 2, 2016

Categories: Credit Education, Credit Guide

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Credit card companies determine interest charges in a variety of ways. The method they use can be a huge factor in determing how much you pay over time! Unfortunately, many people make the costly mistake of not fully understanding how their interest is calculated. Let us show you the different types of calculation methods and […]

Debit Card vs. Charge and Credit Cards

By: asapcc · January 4, 2016

Categories: Credit Education, Credit Guide

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In today’s society, more and more purchases are being made with plastic. The main reason: plastic is safer and more convenient than cash. There are three forms of plastic made available to consumers; debit, credit and charge cards. The words are often used interchangeably, although they are, in fact, different ways to make purchases. Let’s […]

How to Build Your Credit History With a Credit Card

By: asapcc · May 20, 2016

Categories: Credit Education, Credit Guide

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As you’re probably already aware, establishing / building your credit history can be a little bit frustrating. Often, the first step is to open a checking or savings account and apply for a small personal loan; but that’s just the start! It’s not a quick or easy process, and eventually you’ll need to apply for […]

History of the Credit Card Industry

By: asapcc · April 12, 2016

Categories: Credit Education, Credit Guide

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Purchasing on credit isn’t a new concept – it’s been going on for centuries. But the use of modern day credit cards is still relatively new, with the first widely issued cards being released about 50 years ago. Although the earliest credit cards can be traced to Europe in the 1890s, it wasn’t until decades […]

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