Does Medical Debt Affect Your Credit Score?
Unexpected medical bills can be overwhelming. Even people with insurance can end up facing large balances they didn’t plan for, which often leads to a bigger concern: does medical debt affect your credit score? The [...]
How to Calculate Your Debt-to-Income Ratio
If you’ve ever felt anxious waiting for a loan approval or unsure why lenders hesitate, your debt-to-income ratio (DTI) may be the reason. Understanding how to calculate your debt-to-income ratio is one of the most [...]
What Are Cash Advances and Why Are They So Expensive?
During financial emergencies, many people turn to credit card cash advances for quick access to money. While they may seem convenient, cash advances often come with high costs that can worsen debt faster than expected. [...]
Can I Negotiate Credit Card Debt? What You Should Know
If you’re struggling with growing credit card balances, you’re not alone. Many people ask, can I negotiate credit card debt, especially when minimum payments barely make a dent. The good news is that credit card [...]
What Is the Average Credit Card Debt in the United States?
Credit card balances in the United States continue to rise, leaving many Americans feeling the pressure of growing monthly payments and increasing interest rates. With inflation, higher living costs and record-level APRs affecting households nationwide, [...]
Understanding Why Your Minimum Payment Keeps Increasing
Seeing your credit card minimum payment rise from one month to the next can be stressful and confusing, especially when you're already trying to manage tight finances. Many U.S. consumers, including those in California facing [...]
Is Bankruptcy Better Than Debt Settlement?
When debt feels overwhelming, many Californians face a difficult question: is bankruptcy better than debt settlement? Both options can provide relief, but they come with different consequences for your credit, financial future, and peace of [...]
Why Is My American Express Minimum Payment So High?
If you’ve recently noticed your American Express minimum payment increasing, you’re not alone. Many cardholders are surprised when their monthly minimum suddenly jumps, even if they haven’t made new purchases. Understanding why this happens can [...]
Can I Still Use My Credit Card After Debt Consolidation?
Understanding Credit Card Usage After Debt Consolidation Debt consolidation simplifies your finances, but it often raises a common question: “Can I still use my credit card after debt consolidation?” Understanding the impact on your open [...]