Easy Credit Cards and Free Promo Codes:

Priceline Promo Codes:

priceline coupon codes for 2018If you want to keep your budgeting under control, you need to learn about the magic of coupon codes: imagine paying 20% for everything you buy (on average). Travel, in particular, is a huge expense which you can reduce by using these priceline coupon codes for 2018 before you book your next trip with Priceline.

Is It a Bad Move To Keep Many Credit Cards? How Many is Okay?

The question of how many credit cards make for the best flexibility, convenience and financial responsibility can be difficult to answer. There are certainly some easy credit cards out there that nearly anyone can be approved for.  Some financial responsibility advocates feel that the ideal number is zero. They feel that all debt is bad – even debt that you pay back before the interest meter begins to run. Extremist positions like this one may not be very financially responsible, though. It can be hard to build a good credit score without a few credit cards that report your financial behavior to the credit bureaus. You need a good credit score for everything – even a good job, sometimes.

What exactly determines how many credit cards is the magic number?

The number of credit cards you decide to apply for should come from exactly one thing – your credit score. You should keep as many credit cards as you can without hurting your credit score.

The fact is that going with a very large number of credit cards won’t ever hurt your credit score much. Whether you have 2 or 12, how you manage your credit cards is what matters.

People with the one credit card can run up a high, unpaid balance, live on minimum payments each month and hurt their credit score. Your credit score depends on how much of your credit you end up using. A person with a dozen credit cards who pays up all his bills each month can have an 800 credit score or higher.

Five or six credit cards works for most people

Considering that your average credit card has a $20,000 limit, getting a half dozen cards will mean that you have a spending limit worth $120,000. This is a good thing because even if you end up spending $10,000 in a given month, you’ll still only be about 8% into your credit limit. If you have just two $20,000 credit cards, though, the $10,000 bill would be 25% of your limit – which is risky. The credit bureaus see someone who uses up that much of this credit limit as a financially unstable person.

 

A diverse set of cards can help you be financially responsible in another way

Retailers often have special deals for customers who pay with certain credit cards. You can even get a Priceline credit card, which will give you travel rewards (you can use coupon codes on top of that as well!). When you have a portfolio of five or six, you usually have the best credit card for the job on you. You will also never have any trouble with a retailer who doesn’t accept one or another kind of card.

Budget Tips: Coupons & Avoiding Credit Card Fees

coupon credit card fees

If you’re at this website and looking at what the right credit card is for you then you’re probably interested in making your dollars go the furthest they can and making sure you get the most value out of things. We’ve got two of our favourite ways to do this below!

Save Money with Coupons

Did you know that there are coupons out there for almost everything? And we’re not just talking about the ones that you clip out of the newspaper and bring into the local grocery store, there are a lot of coupons out there specifically for purchasing items and services online. Have you ever noticed the little box on the checkout page of an online shopping cart that says something like ‘Have a promo code‘ or ‘Enter coupon code here’. All you have to do is a quick Google search, and you’ll come up with tons of coupon websites. Some are more reputable than others, and some will list expired coupon codes. But try a few of them, it doesn’t hurt!

7 Credit Card Fees To Watch Out For

Credit cards can be wonderful: they allow you to have more control over your cash by letting you make purchases and pay them off at a later date. If done correctly, you can even use them to improve your credit rating. And in the process you can often earn rewards and cash back for making purchases you normally make. However, like most wonderful things, credit cards have the potential for causing problems if they are used improperly or without the right knowledge. Fees are one of the most common frustrating aspects of credit cards. Knowing how credit card fees work can go a long way toward helping you avoid them. Here are some common credit card fees and how you can avoid them:
 

Annual fee:

Many cards have an annual fee. Sometimes cards have a fee because they offer you more services or better rewards, and in some cases if you spend enough money on the card and maximize the rewards associated with the card, it can more than offset the fee. This is highly dependent on what you purchase and how much you tend to spend, so many people prefer to pick cards with no annual fee.
 

Cash advance fee:

If your card offers cash advances, they often charge a fee, typically 2 percent to 5 percent of the cash advance amount.
 

Late payment fee:

If you miss your payment date, even by a single day, most cards will charge a late payment fee, usually under $35. If you have a good history of paying on time, you may be able to call your credit card company and have this fee waived. However, try not to make a habit of paying late, because credit card companies won’t waive the fee if you are late too often, and paying late can hurt your credit score.
 

Application fee:

Many credit cards for individuals with poor credit charge an application fee. You may be able to have this fee waived if you ask.
 

Over-the-limit fee:

If your balance goes above your credit limit, you will be charged a fee. You can avoid this by opting out of over-the-limit fees, but be aware that this will mean that your card will be declined for transactions that will take you over your limit.
 

Balance transfer fee:

Some cards charge a fee when you transfer a balance from another card. It can still make sense to transfer a balance, even if you are charged a fee, if you plan on carrying the balance for a number of months and the interest rate on the new card is sufficiently lower than the rate on the card you are transferring from.
 

Foreign transaction fee:

Some cards charge a fee for all transactions processed by merchants outside of the U.S., typically 1 to 3 percent of the purchase amount.
 
Credit cards can be a powerful tool in your financial arsenal. As powerful as they can be, the fees you can incur can be frustrating and costly. Be sure to read through your cardholder statement thoroughly and watch out for these seven common credit card fees.


If you’re interested in finding some great coupons and don’t know where to start the Coupon Coder Facebook page is a great resource!