Author: Pauline Galeano

The Credit Card Competition Act is a proposed U.S. law aimed at shaking up the credit card market by forcing the biggest issuers to open their cards to more payment networks. Right now, Visa and Mastercard dominate the market (about 80–83% of volume). Every time a consumer swipes a credit card, merchants typically pay a swipe fee of around 2–3% of the sale. This fee is split between the bank that issued the card (an interchange fee) and the card network (Visa/Mastercard). Supporters of the bill – including major retail groups like the National Retail Federation (NRF) and convenience store…

Planning a trip with Qantas? Now’s a great time to book. American Express is offering $250 back when you spend $1,250 or more on Qantas-operated flights through their US website. The deal is valid until July 4, 2025, and includes seat selection and baggage fees if booked together. Spend $1,250 or more in one or multiple purchases directly with Qantas online for Qantas-operated flights and receive a $250 statement credit through an Amex Offer. Key Terms This is a good offer if you’re planning a trip to Australia. Just remember: you need to book online, directly with Qantas, and the…

Getting a high credit limit with poor credit is challenging, but not impossible. As BadCredit.org notes, “Plenty of issuers offer credit cards with $1,000 credit limits — sometimes even to applicants with bad credit”. Lenders will often start credit-challenged borrowers with lower limits to manage risk, but with time “responsible use” of these cards can raise your limit. Many of these cards use soft credit pulls: Discover explains that issuers may send pre-approval offers after “conducting soft credit inquiries… Soft pulls don’t impact your credit score”. Others require no credit check at all. For example, the OpenSky Secured Visa® lets…

Both cards are secured credit cards aimed at building or rebuilding credit. OpenSky’s Secured Visa and Capital One’s Platinum Secured (Mastercard) require a cash deposit and report activity to credit bureaus, helping users improve their credit with responsible use. Neither card requires a credit score to apply. OpenSky is notable for letting applicants without bank accounts or credit checks qualify, while the Capital One card is designed for rebuilding credit with a very low deposit option. Fees and Deposit Requirements APR and Credit Terms Credit-Building and Reports Both cards report to all three major credit bureaus (Experian, TransUnion and Equifax) each month. Timely…

The AmEx Platinum cards pack a huge array of perks that can easily justify their steep fees. In fact, one of our analysts notes that AmEx’s Platinum and Business Platinum cards “offer perhaps the most comprehensive benefits of any premium travel rewards cards”. Yes, two Platinums (personal and business, $695 + $795) plus a Gold card (about $250, soon $325) is roughly $1,700–$2,000 in fees. A recent review stresses that, despite this “premium price tag,” the Platinum’s “amazing benefits like best‑in‑class airport lounge access, hotel elite status, and tremendous value in annual statement credits” can make it “one of the…

Guaranteed approval credit cards with a $5000 limit have become a sought-after financial solution for people looking forward to building or rebuilding their credit history. In this guide, you can learn everything about credit cards with a $5000 limit guaranteed approval. Credit cards in today’s world have become essential for almost everyone. But every credit card limit is equal to the deposit amount. What do you think when you hear the term guaranteed approval of the credit card? Because “Guaranteed Approval” is a myth. You have to beef up your credit score to achieve a guaranteed credit card. And the…

Trying to get approved for a credit card with a $1000 limit for bad credit feels almost impossible, right? I’ve been there—your credit score isn’t great, but you still need access to emergency funds or just want to rebuild. Good news: 2025 has changed the game. If you’re searching for an unsecured credit card with a $1000 limit for bad credit, there are a few reliable options available that don’t require upfront deposits or perfect credit scores. Some applicants may even qualify for credit cards with $2,000 limit guaranteed approval depending on their income and payment history. While guarantees vary…

If you’ve ever wondered, “what is London GBR credit card charge on bank statement,” it usually means a purchase was processed through a London, UK merchant. In credit card terms, “London GBR” simply denotes that the vendor or payment processor is based in London (GBR stands for Great Britain). This can happen even if you never physically traveled to London – many online merchants and services route payments through London-based banks. For example, a charge labeled London GBR might come from a U.S. purchase on Amazon or Netflix processed in the UK. Understanding this charge helps you recognize the source…

Credit Cards for Bad Credit: $500, $1,000 and High-Limit Options (No Deposit & Instant Approval) Getting approved for a credit card with bad credit can be challenging. Many sources caution that no credit card offers truly guaranteed approval, even secured ones. Cards advertising a $500 limit and no deposit typically require good or excellent credit for approval. Still, secured and unsecured second-chance cards can help rebuild credit. Below we curated advice from our top finance advisors, covering low-limit cards (around $500), $1,000-limit guaranteed-approval cards, and even higher limits up to $5K–$10K, including “no credit check” or instant-approval options. Read more:…

Thinking about shopping at Conn’s HomePlus and wondering how to finance your purchase? You’re not alone. Many customers search for “Conn’s credit,” “Conn’s credit card synchrony,” or “Conn’s home plus bill pay” every day. Here’s a quick, clear guide to help you apply for a Conn’s credit card, compare options, and make smarter financing decisions today. Two Ways to Apply for Conn’s Credit Conn’s HomePlus offers financing through: Let’s break down both. Option 1: Conn’s Credit Card by Synchrony Bank This is the go-to choice if you’ve got good credit and prefer traditional credit cards. Why Choose It: How to…