Joshua Heckathorn's blog

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Upromise by Sallie Mae World MasterCard Review

When Sallie Mae was first established in 1973 as the Student Loan Marketing Association, it was a government-sponsored enterprise that serviced federal student loans. However, during Bill Clinton’s administration back in 1994, it was determined that Sallie Mae should be restructured into a private company.

3 Credit lessons Every 18 Year-Old Should Learn

The public school system doesn’t teach young adults how to use credit wisely. The responsibility to teach youth how credit works and how to use it wisely falls upon the heads of parents, but the fact is most parents either have no clue themselves or simply never take the time to pass this knowledge along to their children.

Ask Creditnet: How Many Credit Cards Should I Have?

Colorful credit cards Dear Creditnet: What is a good number of credit cards to have in order to optimize my FICO credit scores? Is it possible to have too few or too many credit cards? - Jenny from UT

Barclaycard Arrival Plus™ World Elite MasterCard® Increases Bonus to 50,000 Points

UPDATE( Sept. 21, 2017): The increased bonus offer to 50,000 points is no longer available. However, this card still offers a 40,000 mile bonus offer and is one of the best rewards cards out there.

Barclaycard Arrival MasterCard Review: To Pay - Or Not To Pay - The Annual Fee

The myth regarding annual fees attached to credit cards is that they're ALL BAD. This is simply that - a myth - and frankly some annual fees are easily wiped out by the cash back and rewards benefits afforded by a particular card.

The NASCAR Visa Credit Card Review

Are you a NASCAR superfan? If not, you can stop reading this review right now. There are most likely better rewards credit cards out there to meet your personal financial needs.

Ask Creditnet: Can I Rebuild Credit with Prepaid Debit Cards?

Dear Creditnet: I need to start rebuilding my credit so I can purchase a home, but I can't seem to get approved for a credit card. I've applied for 3 different cards this year and I've been denied every time. I feel like giving up. Should I just get a prepaid debit card since they don't do credit checks? There's no way I can get denied, right?

FICO Score 9: Paid vs Unpaid Collections

90 percent of lenders still use FICO scores in some way when assessing your risk as a borrower. So if you have any interest in ever getting approved for a high limit credit card, auto loan, or a mortgage, it's a wise financial move to know where your FICO scores stand and what you can do to improve them.

Ask Creditnet: This Credit Card Isn't Mine - What Should I Do?

Dear Creditnet: I just pulled my credit report and found out I have a credit card for $1,000, but I never applied for this card. What should I do?

Debit vs Credit: A Cage Match

Upon entering the ring, the debit card and the credit card look pretty evenly matched. They are the same size and the same shape. Their functions are also similar: electronically transferring money from one owner to another. But when pitted against each other in a head-to-head match, who will come out on top?

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