Techniques for negotiating debt settlement terms

Techniques for negotiating debt settlement terms

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If you have considerable high-interest debt and a lower credit score, it can make the repayment process seem nearly impossible. However, for some, learning how to negotiate your debt settlement could be what it takes to get back on the right financial footing.

Negotiating to reduce your debt in a settlement agreement can help alleviate some of your financial burden and help you avoid bankruptcy. When you pursue a debt settlement, you negotiate with your creditors to reduce the total amount you owe.

Here are some things to consider before you pursue a debt settlement:. Knowledge is power and the more you know about the process, the more likely you are to end up with a favorable settlement. Go into the process understanding every aspect of your financial situation, down to the penny.

credit reports. Keep in mind that most states have a statute of limitations that dictates how long a debt collector can pursue you for overdue debt. Before calling, take a look at your budget and savings to determine if you can make a lump-sum payment up front. Once you have a plan laid out, you can then make your offer and establish your potential terms.

Always make an offer that is less than the full amount you can afford. This leaves room for negotiation. Depending on how much you owe, it may take months or even years to save up enough to make your lump-sum payment.

If possible, keep making at least the minimum payments to avoid accruing more late fees and interest charges. While debt settlement agencies often require you to stop making payments to your creditors, if you negotiate for yourself you may be able to continue making the minimum payment.

Spend some time beforehand thinking of a payment plan that would work for you in the event this comes up. If your creditor or a debt collector has been calling you, start the negotiation by picking up the phone when it rings.

They will likely ask for payment in full, but be ready with your counter-offer for a lesser amount. It could take multiple phone calls to reach an agreement. If your creditor accepts your settlement offer, you might be pressured to provide your bank account information immediately.

You do not have to share this information. The letter should detail the settlement amount and add that the creditor agreed to accept the amount as payment in full for the debt.

This is important to improve your credit score faster. Send the letter via mail and request a return receipt, so you know your creditor received it. As always make a copy for your records to ensure you have a paper trail.

Follow through on the terms of the debt settlement and make your payment by the agreed-upon date. Make sure you understand exactly how to deliver the funds to your creditor well before the due date to avoid any issues. Make a debt settlement offer to the creditor Once you think you have enough money saved up to settle an account, you can call your creditor and make an offer.

Review a written debt settlement agreement A company representative could offer you a great deal over the phone, but you want to have an official offer in writing. Ways Debt Settlement Might Not Work Settlement can save you a lot of money, but it's not a guarantee. Your credit can take hit.

Whether you choose a DIY route or work with a debt settlement company, the process could hurt your credit and open you up to the possibility of getting sued.

You may not be delinquent enough. You may need to be at least 90 or more days behind on your payments before a credit card company will even consider a settlement. By that point, your late payments have likely been reported to the credit bureaus.

It may take a long time to complete the settlement. You may be sued. Additionally, creditors may be able to sue you for unpaid debts and get a judgment, which could lead to wage garnishments. Recommended Articles How to Use Charity Care Programs to Reduce Your Hospital Bills What Happens If You Miss a Bankruptcy Payment?

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Mortgage refinance fees

Mortgage refinance fees

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Our goal is to give you the best advice to help you make smart personal finance decisions. We follow strict guidelines to ensure that our editorial content is not influenced by advertisers. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy.

You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. Bankrate follows a strict editorial policy , so you can trust that our content is honest and accurate. The content created by our editorial staff is objective, factual, and not influenced by our advertisers.

com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and services, or by you clicking on certain links posted on our site.

Therefore, this compensation may impact how, where and in what order products appear within listing categories, except where prohibited by law for our mortgage, home equity and other home lending products.

Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range, can also impact how and where products appear on this site.

While we strive to provide a wide range of offers, Bankrate does not include information about every financial or credit product or service.

Portions of this article were drafted using an in-house natural language generation platform. The article was reviewed, fact-checked and edited by our editorial staff. These costs vary primarily according to the size of your loan and where you live. Generally, you can expect to pay between 2 percent and 5 percent of the new loan balance in closing costs.

This calculator estimates the breakeven point, or the time when the savings on the new refinanced mortgage outweigh the closing costs to do it.

Here are some tips to lower the cost of the new loan:. The better your credit, the lower your refinance rate. Among several strategies, you can boost your credit by paying down or paying off debt. To get the best mortgage refinance rate , compare offers from several mortgage refinance lenders.

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Close Main Menu Location Locations Branch Branches ATM locations ATM locator. Close Estás ingresando al nuevo sitio web de U. Bank en español.

Estás ingresando al nuevo sitio web de U. Bank en Inglés. Mortgage refinance costs. Use this mortgage refinance cost calculator to get an estimate.

See how much you might be able to borrow. Have you found a home? Start your application process. Start your application. Reach out to an experienced loan officer. Find a mortgage loan officer.

How much does it cost to refinance a mortgage? Get more information about refinancing. Learn about your refinancing options. Cash-out Refinance Take advantage of the equity in your home.

Existing customer credit offer Current U. Compare rates. Learn more about mortgages. Should I refinance? Find out if refinancing is right for you.

How to refinance. What is refinancing a mortgage? The less time you plan to live in your home, the more it makes sense to choose a no-closing-cost refinance. If your current home is your "forever" home , you'll usually end up paying more over time with a no-closing-cost refinance than you would by paying your closing costs upfront.

Choosing a no-closing-cost refinance may make sense if you don't plan on staying in your home for very long. But if you plan on living in your home for a long time, you may end up paying thousands more in interest by taking a no-closing-cost loan. Whether a no-closing-cost refinance will work for you depends on your personal finances and current housing situation.

If you feel ready to refinance, no-closing-cost or otherwise, apply online today and get started with Rocket Mortgage® or give us a call at Kevin Graham is a Senior Blog Writer for Rocket Companies.

He specializes in economics, mortgage qualification and personal finance topics. As someone with cerebral palsy spastic quadriplegia that requires the use of a wheelchair, he also takes on articles around modifying your home for physical challenges and smart home tech.

Kevin has a BA in Journalism from Oakland University. Prior to joining Rocket Mortgage, he freelanced for various newspapers in the Metro Detroit area.

Refinancing - 7-minute read. Patrick Chism - February 01, There are many different refinancing options for homeowners to choose from. Learn more about some of the most popular types of refinances and how they work.

Victoria Araj - November 01, Wondering if you should refinance your mortgage? Learn more about the factors to weigh as you decide if refinancing your mortgage is the right choice for you. Refinancing - 8-minute read. Victoria Araj - July 12, Learn more with our in-depth requirements guide.

Toggle Global Navigation. Credit Card. Personal Finance. Personal Loan. Real Estate. A Guide To The No-Closing-Cost Refinance. February 06, 7-minute read Author: Kevin Graham Share:. What Is A No-Closing-Cost Refinance? See What You Qualify For.

Type of Loan Home Refinance. Home Purchase. Cash-out Refinance. Home Description Single-Family. Property Use Primary Residence. Secondary Home. Investment Property. Good Below Avg. Signed a Purchase Agreement.

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Refinancing costs include your loan origination fee and the following: Government recording costs. Appraisal fees. Credit report fees. Lender origination fees Refinance closing costs commonly run between 2% and 6% of the loan principal. For example, if you're refinancing a $, mortgage balance On average, homeowners can expect to pay 2% to 3% of the loan amount to refinance a mortgage. Refinancing a $, home loan, for example, may cost $6, to

Seasonal business financing

Seasonal business financing

Call our advisors We Help Seasonal Business. Seasonal Business Applicants Typically Receive:. Short term small business loans Business lines of credit Revenue advances Equipment financing Need an answer fast? Give us a call or contact us online. Instant Approval.

Get a quote in minutes with SAME DAY funding! Ken B. Your seasonal loan options are many, and there are lenders who cater to every credit profile. Here are a few to consider. Guaranteed by the Small Business Administration, SBA loans are offered through banks, credit unions, and online lenders.

They tend to offer lower interest rates and have long repayment periods. Though these may be more difficult to get because of stringent credit score requirements, loans offered by banks and online lenders can offer some of the lowest interest rates and favorable terms as well. Both Newtek and OnDeck offer long-term loans with favorable terms.

Get approved for a certain amount of money that you can borrow and repay at any time. OnDeck and FundBox are examples of companies that offer lines of credit. Lendspark offers equipment financing. These loans typically have to be repaid within one to three years, and may have higher interest.

Kapitus and Rapid Finance offer short-term financing options. Credibly offers cash advances with competitive interest rates. If you send invoices to clients, you can use factoring to get an advance on invoices. Another option for seasonal financing includes business credit cards.

You can use them to make purchases for your business as needed. So what can you use seasonal financing for? A loan can help cover these unexpected expenses, such as needing to repair a machine or covering an increase in employee health insurance, even during downtime.

You can also use the funds to market your business, purchase ads, or invest in software that can help you grow. Requirements for loan applications may differ from banks to online lenders.

Some may require you to have high business or personal credit scores, while others may look at other factors, such as your annual revenues. Some may have complex application processes, while others require only a few details about you and your business.

Review requirements for the loan you want to apply for and make sure you qualify and that you have all the necessary documentation. Check your credit scores before so you know where you stand. Get personalized business credit card options and access to your business credit report when you create your Nav account.

The first thing to consider when applying for financing is how you will use the loan. Also, make a plan for repayment.

Build your loan payments into your budget, particularly for the off-season since it will be more challenging to make those payments than it will be during the peak season. Paying bills on time, reducing existing debt, and reviewing your credit report regularly for discrepancies are a few ways you can improve your credit scores.

Seasonal business owners need access to working capital, even when business is slow. A seasonal business loan could be the stopgap you need to make it through slow periods.

This article currently has 6 ratings with an average of 4. Susan Guillory.

Need financing to maximize your seasonal business income? Check out our breakdown of five seasonal business loans in this handy guide! Evaluating different commercial lending solutions can initially feel overwhelming. The good news is, Eastern Bank has a team of experienced Best Seasonal Business Loans · SBA Loans · Traditional Loans · Credit Line · Equipment Financing · Short-Term Loans · Merchant Cash Advance

Debt management services

Debt management services

We use Cookies on this site ×. Learn more Accept. Expert advisers available now ×. Skip to content Feedback Share your feedback ×. Send feedback. We are National Debtline - and we can help. Call our advisers today Call free: This changed my life National Debtline caller National Debtline caller I can't thank you enough National Debtline caller I'm so glad I called, you gave me the knowledge I needed to speak with my creditors National Debtline caller You were incredibly helpful and knowledgeable, patient and understanding National Debtline caller National Debtline have really helped me out of a dark place in my life.

What to expect when you call us You will come straight through to one of our expert debt advisers, based in Birmingham We will help you take the key step of doing a budget so we can find solutions tailored to your situation We will answer any immediate questions you have and together we'll make a plan to sort your debts in the longer term.

Three steps to helping you take control of your debt. Be clear on how your money is spent. Everyone has a. today, for free,. Call free: If a DMP is right for you we will help you set up and manage it.

There is no cost to you. Many debt management companies provide DMPs, but most charge a fee. Our DMPs have no set-up charges or monthly fees.

Very professional and helpful and easy to use. The first thing you need to do is find out if a DMP is right for you.

Use our online debt help tool or give us a call. If a DMP is right for you, we will explain what you need to do next and support you as you set up your debt management plan. Once we have everything we need from you, we will start making payments to the people you owe money to through your DMP.

You should always get free and impartial advice before going ahead with any debt solution. To find out more about you, when we advise you we ask questions like:. A DMP would not be right for you if you would find it hard to make payments towards your debts.

And we would also look at whether you are able to pay back what you owe in a reasonable amount of time. Ready to find out if a debt management plan is right for you? The payments you will make through your DMP are smaller than the amounts you first agreed to with the people you owe money to.

If you miss a payment your creditors can report it on your credit file. This will also be shown on your credit file.

Read more about how a DMP affects your credit score here. Your single monthly DMP payment to us helps to repay your less important, or non-priority debts.

It can also help you repay any priority arrears if you have them. If you are behind with your important payments such as utility bills, rent or mortgage, and have arrears, we can add those to your DMP and include them in your monthly payment.

This will help you manage important payments better. Learn more about how to get a DMP. Several debt management firms have closed due to not meeting the required standards set by the Financial Conduct Authority FCA.

If you have been affected by these closures, you can switch to us. The first step to switching your DMP is for us to learn more about your debts and your household budget so that we can recommend the right debt solution for you.

No, they are quite different. Debt consolidation involves taking out a loan to repay all unsecured debts you may have. A debt management plan doesn't involve taking further credit. We also use cookies set by other sites to help us deliver content from their services.

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You can arrange a plan with your creditors yourself or through a licensed debt management company for a fee. If you arrange this with a company:. MoneyHelper has information on organisations that can give you free advice about whether a Debt Management Plan is right for you.

Set up a plan with a debt management company authorised by the Financial Conduct Authority FCA. Search the Financial Services Register for an authorised company.

The company works out your monthly payments. To help us improve GOV. It will take only 2 minutes to fill in.

Contact DWP Debt Management if you need help managing your repayments. We can talk you through your options, including what you can afford to A Debt Management Plan (DMP) is an informal agreement between you and your creditors, where you arrange to pay off your debts through lower monthly payments There are lots of different organisations and companies that offer debt management plans (DMPs). It's important you choose the right provider for you

Emergency cash loans

Emergency cash loans

We are a direct lender so there is no long wait for an answer. We deposit your money right into your bank account. Your installment loan payments come from the same account - automatic, no hassles. Together, we grow your LoanNow score to unlock better rates. Most banks will post the funds to your account by the next business day.

Subject to underwriting approval. Helping Good People Get Better Loans Check Your Rate. Back to Emergency Loans. Friends and Family If you run into a financial setback, your friends and family members are probably eager to help, usually with no questions asked.

Pawn Shops Pawn shops provide emergency personal loans with no questions asked. Payday Loans Whether you make a trip to your local payday loan store or borrow from an online payday lender, emergency personal loans from payday lenders are a bad deal.

Why LoanNow 5-Minute Application All it takes is a few minutes. Money in minutes. How It Works Apply Now Complete our easy online application. Why We Chose It. Pros Funding within one business day Competitive interest rates Rate discounts available.

Cons Origination fee up to 9. Have a credit score Be a U. citizen or permanent resident or have a valid visa Be at least 18 years of age Have a verifiable bank account and email address. Read the Full Upgrade Personal Loans Review Best for Low Minimum Credit Requirement : Upstart Investopedia's Rating 4.

APR Range: 6. Pros No minimum credit score Low minimum APR Funding the next business day. mailing address Have a valid email address Have a verifiable source of income Have a U.

bank account. Read the Full Upstart Personal Loans Review Best Secured Loans : Regions Investopedia's Rating 4. APR Range: 9. Pros and Cons. Pros Secured and unsecured loans available No origination fees Low interest rates.

Cons Must be a Regions bank customer Loan amount limited to deposit account balance Not available in all states Charges late fees. Have a Regions deposit account Live in a state where Regions does business. Read the Full Regions Personal Loans Review. Best for Repayment Terms : LendingPoint Investopedia's Rating 3.

APR Range: 7. Pros Flexible repayment terms Low minimum interest rates Funding as soon as the next business day. Read the Full LendingPoint Personal Loans Review. Best With No Credit Check : OppLoans Investopedia's Rating 2. APR Range: Loan decision not based solely on credit score No origination fees Same-day funding available No late payment fees.

Very high interest rates Short repayment terms Not available in all states. Be at least 18 years of age Have a bank account Have a verifiable source of income Receive income through direct deposit Available in any state except Colorado, Connecticut, Georgia, Maryland, Massachusetts, Nevada, New Hampshire, New York, Pennsylvania, South Dakota, Vermont, West Virginia.

Read the Full OppLoans Personal Loans Review for Best for Fast Funding : TD Bank Investopedia's Rating 3. Pros Loan funding within one business day No origination fees Low maximum APR. Cons Not available in most states Minimum credit score not disclosed Limited range of repayment terms Charges late fees.

Live in Connecticut, Delaware, Florida, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, Pennsylvania, Rhode Island, South Carolina, Vermont, Virginia, and Washington, D. Read the Full TD Bank Personal Loans Review Best Credit Union : Patelco Credit Union Investopedia's Rating 4.

Pros Flexible loan amounts and repayment terms Low minimum APR Offers secured and unsecured loans. Cons Only available to credit union members Charges late fees. Be a Patelco credit union member. Read the Full Patelco Credit Union Personal Loans Review. Compare the Best Emergency Loans for Bad Credit: Compare Options for February Average Origination Fee.

Late Fee. Time to Receive Loan. Latest Repayment. Reset All. Hide, not for me. The Bottom Line If you need an emergency loan to cover an unexpected expense, and have bad credit, you have quick finding options available. And if you have bad credit, you may need to consider other types of emergency loans : Payday loans Pawn loans Car title loans No credit-check loans Each of these options will cost significantly more than a traditional personal loan yet may be an option if your credit is poor.

Best Uses for an Emergency Loan Some lenders may have restrictions on how you can use the loan, such for investing or gambling or to pay for college tuition and fees, but most situations that we would consider "emergencies" aren't among them.

Situations that might qualify include: An emergency medical bill A home repair or replacement of an appliance Car repairs Replacement for lost income to cover monthly bills Funeral costs In Investopedia's Personal Loan Borrowers Survey , when we asked current and potential borrowers what they planned to use their loan for, more borrowers said debt consolidation than for any other reason.

Frequently Asked Questions How Much Will an Emergency Loan for Bad Credit Cost? Where Can You Get an Emergency Loan if You Have Bad Credit? Will an Emergency Loan Impact My Credit Score? How Fast Can I Get an Emergency Loan? Can You Get an Emergency Loan With No Credit Check?

What Is the Lowest Credit Score Needed for a Loan? Which Bank Is the Easiest to Get an Emergency Loan? Companies We Reviewed.

Updated by Erin Gobler. Erin Gobler is personal finance coach and a writer with over decade of experience. She specializes in writing about investing, cryptocurrency, stocks, and more. Her work has been published on major financial websites including Bankrate, Fox Business, Credit Karma, The Simple Dollar, and more.

Learn about our editorial policies. Article Sources. Investopedia requires writers to use primary sources to support their work. These include white papers, government data, original reporting, and interviews with industry experts.

We also reference original research from other reputable publishers where appropriate. You can learn more about the standards we follow in producing accurate, unbiased content in our editorial policy.

Related Articles. Investopedia is part of the Dotdash Meredith publishing family. Please review our updated Terms of Service. Best Overall. APR With Autopay Discount 8. Recommended Minimum Credit Score This lender does not disclose its minimum credit score requirements. Applying for an emergency loan may result in a hard credit inquiry , like when you apply for a line of credit.

And a hard credit inquiry could impact your credit scores. Some may charge origination fees. These fees can reduce the amount you receive by a given percentage.

In this case, you may want to ask for more money upfront to counteract this effect. Some common emergency loans include:. And you may want to verify that a lender will give you enough money to cover those expenses. But since the timeline will depend on the lender, you may want to verify it.

When rates and fees are high, it can increase the total cost of an emergency loan. Comparing costs can help you find a loan that may work for your financial situation. Terms for repayment: Repayment terms will vary depending on the lender. Learn about how applying for a loan might affect your finances and credit.

Compare lenders and loan terms and conditions, including fees, interest rates and repayment timing. Here are some steps you can take to build an emergency fund: Check your living expenses. Consider the cost of your mortgage or rent, food and other monthly bills.

Then decide how much you can comfortably put into your emergency fund each month. Decide on a savings goal and timeline. Experts recommend having an emergency fund with at least 3 to 6 months of living expenses saved.

Open a separate savings account. Putting your emergency savings into a separate, high-yield savings account could help you avoid spending that money on nonemergencies. Make savings automatic.

Setting up direct deposit might make it easier to save money. Add extra income to your emergency fund. Tax refunds, side-hustle income and bonuses can boost your savings and help you reach your financial goals faster.

These questions could help you get started: Is the financial situation urgent or time-sensitive? If your timeline is urgent, you may need to pursue an emergency loan. But if you have time to save money, it may be beneficial to wait. What are the costs and terms of the loan?

Ask yourself if you can realistically meet the financial requirements of the loan. Is there an alternative for covering your unexpected costs? You may want to think about alternatives to an emergency loan to find the best option for your financial situation.

For example, you could consider a credit card with a low introductory rate. Related Content. Money Management Personal loans vs.

An emergency loan is simply a type of personal loan used to cover unexpected expenses. Most emergency loans are unsecured loans. That means the lender An emergency loan is an unsecured personal loan that can help cover unexpected expenses when you don't have a financial cushion or can't come up with the Best emergency loans ; personal loans for excellent credit. SoFi. ; home improvement loans. LightStream. ; Small loan amounts from online lenders. Reach

Peace of mind guarantee

Peace of mind guarantee

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Late payment drawbacks on credit score

Late payment drawbacks on credit score

As a result, you might not meet some companies' lending criteria. The Experian Credit Score can give you an idea of how companies see you. Credit scores weigh up lots of different pieces of information.

However, it does depend on the credit you want and the companies' lending criteria. Sometimes, late payments can lead to a default or a County Court Judgment. These are likely to have a more serious impact on your credit score.

If a late payment is recorded on your report, it will stay there for six years. However, its impact on your score will reduce as the record ages.

This is because lenders usually pay more attention to your most recent credit history. As long as you keep up with future payments, you should see your score improve over time, making it easier to get approved for credit at better rates. If you want to access your report frequently, consider getting a CreditExpert paid subscription.

This can be up to words. If you think a late payment has been recorded on your report by mistake, we can investigate on your behalf. Get a copy of your Experian Credit Report first to check it for accuracy.

If you find an error, get in touch with us. Founded in , Bankrate has a long track record of helping people make smart financial choices. All of our content is authored by highly qualified professionals and edited by subject matter experts , who ensure everything we publish is objective, accurate and trustworthy.

Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. We value your trust.

Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. We maintain a firewall between our advertisers and our editorial team. Our editorial team does not receive direct compensation from our advertisers. Our goal is to give you the best advice to help you make smart personal finance decisions.

We follow strict guidelines to ensure that our editorial content is not influenced by advertisers. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy.

You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. Bankrate follows a strict editorial policy , so you can trust that our content is honest and accurate.

The content created by our editorial staff is objective, factual, and not influenced by our advertisers. com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and services, or by you clicking on certain links posted on our site.

Therefore, this compensation may impact how, where and in what order products appear within listing categories, except where prohibited by law for our mortgage, home equity and other home lending products.

Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range, can also impact how and where products appear on this site.

While we strive to provide a wide range of offers, Bankrate does not include information about every financial or credit product or service. Paying your bills on time, every time, is the best thing you can do for your credit score and your overall financial health.

Your payment history gives lenders insight into what kind of borrower you are. Do you always pay on time or do you miss payments often? Payment history is so important, it accounts for 35 percent of your overall credit score. Accounts that show up on your credit report are largely credit-related—credit cards, mortgages, car payments and other installment loans.

These are the accounts that are reported regularly. This means your on-time payments are reported, as well as late payments. Things like utility payments are not normally reported to the credit bureaus. The issue: You spot an error on your credit report How did you end up here?

Want to know your credit score? Eligible Wells Fargo customers can check their score online. Learn More. Want to read more about improving your credit score? You can customize your experience with a quick chat. Sound's great. Let's do it. What to consider when getting a credit card Use these three questions to help figure out if a credit card is right for you.

The CollegeSTEPS® 7-Day Credit Boot Camp Get your credit into shape without a trip to the gym. Why you should book informational interviews Informational interviews — conducted virtually online or by phone — can help you expand your network and plan your future.

Certain information provided by Fair Isaac Corporation, San Rafael, California. We are here to help Phone Call us For general banking questions: Map pin Find us Find a Wells Fargo banking location Go. Calendar Make an appointment Schedule an appointment online Go.

Phone For general banking questions: Find us. Make an appointment. You are leaving the Wells Fargo website ×. You are leaving collegesteps. com and entering a website that Wells Fargo does not control. Wells Fargo has provided this link for your convenience, but does not endorse and is not responsible for the content, links, privacy policy, or security policy of this website.

A late payment doesn't affect your credit until it is at least 30 days late, but the impact on your credit score can be huge While late payments aren't great for your credit scores, there is something of a silver lining. The effects of late payments on a credit report fades with time Even a single late or missed payment may impact credit reports and credit scores. But the short answer is: late payments generally won't end up on your credit

Emergency fund assistance

Emergency fund assistance

Crimes Against Minors Abroad. Emergency Financial Assistance for U. Citizens Abroad. International Financial Scams. International Maritime Piracy and Armed Robbery at Sea.

Forced Marriage. Information for U. Citizens about a U. Government-Assisted Evacuation. The information below is provided for general information only and may not be applicable in a particular case. Questions involving interpretation of specific U. or foreign laws should be addressed to appropriate legal counsel.

This is an official U. Government source. Inclusion of non-U. Government links does not imply endorsement of contents. The U.

citizens who are temporarily destitute abroad. If you find yourself in such a situation, here are some options:. Consult the nearest U. Your hotel concierge may also be a good resource. The availability and quality of medical services available can vary greatly depending on your location.

Read the Medical Facilities and Health Information section in our country information pages. Review our Medical Insurance page for information about medical coverage abroad, air ambulances, and medical evacuation companies. Limited emergency medical assistance loans may be available on a reimbursable basis for eligible temporarily destitute U.

citizens and their qualified dependents. Your U. passports will be limited at the time the loan is issued and in most cases you will not be issued a new passport until the loan is paid in full.

Destitute U. citizens in need of help overseas should contact the nearest U. embassy or consulate or the U. If your passport has been lost or stolen while you are abroad, you will have to replace the passport before returning to the United States.

Learn more , and contact the nearest U. embassy or consulate for assistance. Subscribe to get up-to-date safety and security information and help us reach you in an emergency abroad. Make two copies of all of your travel documents in case of emergency, and leave one with a trusted friend or relative.

You are about to leave travel. gov for an external website that is not maintained by the U. Department of State. Links to external websites are provided as a convenience and should not be construed as an endorsement by the U.

Department of State of the views or products contained therein. If you wish to remain on travel. gov, click the "cancel" message. Cancel GO. Skip to main content.

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Stay Connected. Legal Resources Legal Information Info for U. Law Enforcement. Congressional Liaison Special Issuance Agency Legal Resources U. Visas Intercountry Adoption International Parental Child Abduction Replace or Certify Documents. International Travel. Before You Go Learn About Your Destination While Abroad Emergencies.

Share this page:. Print Email Facebook Twitter. Y Z All. COVIDCountry-Specific-Information What the Department of State Can and Can't Do in a Crisis How to Prepare for a Crisis Abroad Natural Disasters Hurricanes, Typhoons, and Cyclones Nuclear and Radiological Incidents Non-Natural Disasters Lost or Stolen Passports Abroad Help for U.

In , Chicago businessman and philanthropist, Norman H. Stone is stirred to act when he hears about a Chicago family in need who could not find financial assistance at any social service agencies in the city.

Based on the values of providing help immediately and without red tape, Mr. Stone founded the Emergency Fund. Pictured on the left from left to right : Alan Stone, Ginger Downs former Board Chairwoman , and former Mayor Rahm Emanuel. While Alan serves as President, Ida serves as Chairman Emeritus.

Alan also served as Chairman of the Board of Directors and was an energetic fundraiser. In , a full-time executive director was hired. This system still provides a central access point for those seeking financial assistance and related social services in Chicago.

The two organizations maintain separate c 3 statuses. The merger allows the organization to be more administratively efficient and more effectively use limited resources.

However, the purpose and services of the Emergency Fund program do not change and continue to fulfill the original intent of founder Norman H.

Also in , the Student Emergency Fund launched for low-income college students experiencing an emergency that could cause them to drop out of school.

The Chronic Homelessness Emergency Fund was also created to assist households involved in the DFSS Chronic Homelessness Pilot. This fund will provide unrestricted and flexible emergency financial assistance to homeless service agencies as they respond to the COVID crisis.

Learn more about the fund here. The Flexible Financial Fund is the primary program of the Emergency Fund. It is designed to prevent a sudden financial setback from becoming a long-term financial crisis.

If you are seeking Flexible Financial Fund assistance, please call and ask for short-term assistance. These funds provide assistance for security deposits, rent, mortgages, and utilities. Individuals seeking assistance from the State Homeless Prevention Fund should call and ask for short-term assistance or visit one of the Department of Family Support Services Community Centers.

The Student Emergency Fund assists Chicago college students experiencing a crisis or transition by distributing critical and timely financial assistance via a network of partner organizations and schools.

Click here to learn more. Read our report on our Student Emergency Fund here. All Chicago administers the Rapid Re-Housing Program to provide rent and utility assistance for people experiencing homelessness, living in shelters or on the street.

We work with seven partner agencies that provide case management services to help Rapid Re-Housing clients remain stable in their new homes. We assist approximately households each year.

If you need help, call and ask for short-term assistance. Please call and ask for short-term help. For more information on getting short-term help, please click here. You can be a part of the solution for ending homelessness for your neighbors in Chicago!

With Chicago Rents, you will have a Landlord Engagement Coordinator help onboard your units, advertise your units free of charge, and assist you throughout the tenancy. Chicago Rents can provide financial incentives for qualifying units in tight rental markets.

Please contact your Landlord Engagement Coordinator to learn more and find out if your units are eligible. To be entered, the successful referral must note that you referred them, onboard with us, and have one unit available to be shown at an Accelerated Moving Event AME.

The American Rescue Plan Act of established a new $1 billion Pandemic Emergency Assistance Fund to assist needy families impacted by the COVID FEMA's Individuals and Households Program (IHP) provides financial assistance and direct services to eligible individuals and households D-SNAP is a program that provides short-term funds so you can buy food if you are in a presidentially declared disaster area. Find out if you are eligible and

Credit cards for bad credit

Credit cards for bad credit

PREMIER Bankcard® Grey Credit Card. We help people with bad credit, every day. You can build or rebuild your credit: apply for a PREMIER Bankcard credit card, keep your balance low, and pay all your monthly bills on time.

However, credit score alone does not guarantee or imply approval for any PREMIER Bankcard® product. First Progress Platinum Elite Mastercard® Secured Credit Card. Surge® Platinum Mastercard®.

Simply make your first 6 monthly minimum payments on time All credit types welcome to apply! Monthly Credit Score — Sign up for electronic statements, and get your Vantage 3.

Everyone deserves a chance to build credit: apply today! PREMIER Bankcard credit cards are for building credit. Start building credit by keeping your balance low and paying all your bills on time each month.

First Progress Platinum Prestige Mastercard® Secured Credit Card. Reflex® Platinum Mastercard®. First Progress Platinum Select Mastercard® Secured Credit Card. When it comes to building your credit, there are some cards and issuers that help more than others. This stands in stark contrast to many of the subprime credit card offers you may see come through the mail.

They can bury you in fees and may do little to help build your credit. A higher credit score brings a host of benefits that make borrowing money easier and more affordable.

You can achieve a higher credit score with a little work and patience. The deposit determines your credit limit. There are credit cards specifically for borrowers with bad credit. You just need to find the right card and use it responsibly to help build your credit. Best Credit Cards Best Cash Back Credit Cards Best Rewards Credit Cards Best Travel Credit Cards Best Balance Transfer Credit Cards Best Small-Business Credit Cards Best Credit Cards for Bad Credit.

The information presented here is created independently from the TIME editorial staff. To learn more, see our About page. Personal Finance Credit Cards Best Credit Cards for Bad Credit for February by Alene Laney. Updated February 11, View Offer. Credit score. Annual fees. Welcome offer. Annual fee disclaimer.

Limited Time Offer. Click the "View Offer" link to see additional terms and conditions. Learn More. Card name Credit score Annual fees Welcome points First Progress Platinum Elite Mastercard® Secured Credit Card. OpenSky® Secured Visa® Credit Card.

Capital One Platinum Secured Credit Card. Maybe you were hoping to avoid a secured card, but they might be a better fit as you build credit. It also comes with a sign-up bonus, which Discover phrases this way: " INTRO OFFER: Unlimited Cashback Match — only from Discover.

Just a dollar-for-dollar match. Discover features an excellent suite of unsecured credit card products. Once you've demonstrated responsible use with its secured product, it may be possible to upgrade to an unsecured card. A number of startups and financial technology companies have launched cards in partnership with issuers that can consider factors beyond your credit scores, like your income and assets, when they evaluate your application.

These so-called "alternative" cards may be worth a look, especially if you lack the funds for a security deposit:. Move whatever sum of money you choose from the checking account to your Credit Builder secured account, and that becomes your spending limit.

The card offers an autopay feature, called Safer Credit Building, to prevent late payments. There's also no APR, so you can't be charged interest. The secured Chime Credit Builder Visa® Credit Card is issued by The Bancorp Bank, N.

or Stride Bank, N. and may be used everywhere Visa credit cards are accepted. Please see the back of your card for its issuing bank. The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House ACH deposit OR Original Credit Transaction OCT.

Bank ACH transfers, Pay Anyone transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash loads or deposits, one-time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be a qualifying direct deposit are not qualifying direct deposits.

Based on a representative study conducted by Experian®, members who made their first purchase with Credit Builder between June and October observed an average FICO® Score 8 increase of 30 points after approximately 8 months. On-time payment history can have a positive impact on your credit score.

Late payment may negatively impact your credit score. On-time payment history may have a positive impact on your credit score. Chime will report your activities to Transunion®, Experian®, and Equifax®. Impact on your credit may vary, as Credit scores are independently determined by credit bureaus based on a number of factors including the financial decisions you make with other financial services organizations.

Money added to Credit Builder will be held in a secured account as collateral for your Credit Builder Visa card, which means you can spend up to this amount on your card. This is money you can use to pay off your charges at the end of every month. Out of network ATM withdrawal and over the counter advance fees may apply.

Easily compare and apply online for Poor Credit / Rebuilding credit score credit cards with Visa. Find Visa credit cards with low interest rates This includes lower interest rates, low or no fees, and cash back. But if you have bad credit and are struggling to qualify for traditional unsecured cards, a The Capital One Quicksilver Secured Cash Rewards Credit Card offers an impressive combination of features for those with poor credit. A deposit

Need for thorough research and comparison of lenders

Need for thorough research and comparison of lenders

Answering these questions will help determine the best loan term for your needs. For example, if you have a lower credit score, an FHA loan may be the best option for you because they come with lower credit requirements than a conventional mortgage. VA and USDA loans require no money down, which is a huge appeal for those who qualify.

These questions can also help you narrow down whether it makes sense to apply for a fixed-rate or adjustable-rate mortgage ARM. For those who plan to stay in a home long-term, a fixed-rate may make the most sense. However, if you plan to sell within, say, five years, an ARM could give you a lower payment.

Once you know the kind of mortgage and term you want, gather documents that show your income, investments, debt and more. By having these documents ready ahead of time, you can make the mortgage application process quicker and easier.

Once you have your documents handy, you can start comparing mortgage offers online. Talk to your bank and any other financial institution you have a relationship with because they may offer better deals to existing customers.

Many banks award you a better rate if you set up automatic payments, or transfers from an in-house account. It can be a good idea to speak directly with a loan officer or prospective lender who can assess your financial situation and provide expert advice. The loan estimate is an official three-page document that lists several key numbers associated with your loan, including:.

Every lender is legally required to provide you with a loan estimate within three days of getting your application and pulling your credit report. Comparing loan estimates can help determine which offer is more cost-effective.

Some lenders promise low interest rates but also charge excessive fees and closing costs, so make sure you pay attention to all the loan terms, not just the rate. Lenders may also quote you a low rate made possible by purchasing mortgage points. Also known as discount points, these are upfront fees you pay to lower your interest rate.

Depending on the cost of those points, this may not make sense for you. A different lender may be able to offer you the same rate or better without the need for points. Again, how long you plan to stay in the home and keep the mortgage is a key factor in deciding whether to buy points.

Even an interest rate savings of as little as 0. You may even be able to negotiate mortgage costs with a particular lender. Shopping for a mortgage is well worth your time, especially if you plan to remain in your home for the long term. Not sure where to start?

Compare your options and read each loan estimate you receive thoroughly to choose the best deal for you. Armed with this document — which shows sellers that you have financial resources at your disposal — you can submit an offer on home and negotiate a purchase. And, hopefully, soon be at the closing table, securing the keys to your new home.

Compare mortgage rates today. Andrew Dehan. Written by Andrew Dehan Arrow Right Writer, Home lending. Andrew Dehan writes about real estate and personal finance.

His work has been published by Rocket Mortgage, Forbes Advisor and Business Insider. He lives in metro Detroit with his wife and children. Troy Segal. Edited by Troy Segal Arrow Right Senior editor, Home Lending.

Troy Segal is a senior editor for Bankrate. Heritage Bank NA prides itself in offering an easy, ethical, and stress-free process of applying for a mortgage. In addition, we offer our assistance for any existing home loan you may have. We are ethical and employee owned.

Our home mortgage lender services can be easily accessed through our mobile app, available on the App Store and Google Play. Furthermore, on our official website, we offer a guide on Home Mortgage Loans , an additional Home Purchasing Checklist and a list of the different Types of Loans we provide.

Skip to content. Personal Business Agriculture Insurance. Log In Digital Banking MyMortgage. Differences Between a Home Mortgage Lender.

Choosing a Home Mortgage Lender Choosing which home mortgage lender to use can be a complicated and stressful process. Here is what you need to do before you start looking for a home mortgage lender: Assess your financial situation and try to strengthen it if possible.

Check your credit score. Determine your budget and how much you can realistically borrow from a mortgage lender. Thoroughly research your mortgage lender options and compare rates. Read the small print. You can get a loan via: Direct lenders: banks and credit unions that offer a variety of loan options directly to the customer.

Solutions and mortgage lending rates can differ greatly from bank to bank. This is the traditional way of seeking a loan, which may take a lot of time and effort. Mortgage brokers: people or companies that research the loan market for you, to assess the best loan option that best fits your requirements, and then submit the loan application to direct lenders for you.

They obviously ask a fee for their services. It is worth remembering, however, that they may collaborate only with specific banks and within specific cities so they might not always select the best option. Why Heritage Bank NA? Heritage Bank Team.

5 Big Questions to Ask When Comparing Lenders · 1. What are your available loan programs? Many lenders have multiple loan options. · 2. What are your fees? This Missing Reading reviews and researching lenders can help you to identify a reputable and reliable lender who provides excellent customer service. Comparing different

Bespoke consolidation repayment strategies

Bespoke consolidation repayment strategies

For new dentists seeking ways to ease the burden of staggering student loan debt, there are options — such as loan consolidation, refinancing and government base repayment programs — that are worthy of consideration as part of a repayment strategy.

But like all major financial decisions, they come with advantages and drawbacks. Federal loan consolidation combines multiple government-sponsored loans into just one loan.

It takes the weighted average interest rate of the loans being combined. Refinancing is when a borrower applies for a loan under new terms, and uses that loan to pay off one or more existing student loans.

Unlike consolidation, refinancing is only available from private lenders. One good reason to consolidate federal loans is convenience: There is only one loan, one loan servicer, one payment and one place to file forms.

Consolidating federal loans also allows borrowers to convert former nondirect loans to direct loans. Also, repayment terms may be extended to 30 years, which lowers monthly payments but adds to total repayment costs if it takes the full 30 years to repay. Even before graduating from dental school, Dr.

In spring , he began the application process to refinance his loans through SoFi, a peer-to-peer lender based in San Francisco. Refinancing can help borrowers pay lower interest rates on their student loans, thus saving thousands of dollars throughout the life of the loan, though it comes with some risks as well.

Similar to taking out a mortgage, borrowers can choose between a fixed rate loan and a variable rate loan, or both. Fixed rate loans typically have higher rates than variable rate student loans but will remain the same over the life of the loan.

Variable rate student loans generally are lower but may change, including the risk of going up, on a monthly, quarterly or annual basis.

Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. We value your trust. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens.

We maintain a firewall between our advertisers and our editorial team. Our editorial team does not receive direct compensation from our advertisers.

Our goal is to give you the best advice to help you make smart personal finance decisions. We follow strict guidelines to ensure that our editorial content is not influenced by advertisers. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy.

You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades.

Bankrate follows a strict editorial policy , so you can trust that our content is honest and accurate. The content created by our editorial staff is objective, factual, and not influenced by our advertisers.

com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and services, or by you clicking on certain links posted on our site.

Therefore, this compensation may impact how, where and in what order products appear within listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range, can also impact how and where products appear on this site.

While we strive to provide a wide range of offers, Bankrate does not include information about every financial or credit product or service. A debt payoff plan takes a comprehensive look at all the debt you owe and organizes it into a structured, consistent routine to pay it all off.

Because debt can be overwhelming, a successful payoff plan transfers it to manageable steps. The plan will consider all of your debts, your income and your monthly budget. The end goal of a plan to pay off debt is to make sure you have a financially secure future.

Follow these steps to set yourself up for success. Your financial plan to pay off debt needs to start with understanding everything you owe. Seeing it in one place will help you understand how to move forward.

To figure out all your debt, start with your credit report. You can do this online through many free resources, such as Equifax and Experian. From that list, contact each creditor and find the balance you owe.

Your credit report will include everything, including credit cards, student loans, mortgages and personal loans. You can prioritize your debt in a few ways, and the method you choose may depend on your monthly budget, income and goals. You may prioritize by balance amount or interest rate.

Another option is to focus on credit card debt first and then move on to your personal loan debt, student loan debt and other types of debt. You can also initially pay off your debts in collections and then work on the others. For instance, job boards like Fiverr, Upwork and Workana exist to offer short-term gigs that can provide extra money on your own time.

This way, you can pay more than the minimum amount owed and pay it off faster. For example, refinancing with Laurel Road can take up to 30 calendar days. But the process is usually completed within two to three weeks, depending on how quickly you submit your supporting documentation.

Earnest refinancing takes about the same timeframe. Its application review is usually completed within three to five business days. And then loan processing and payout can take an additional two to three weeks.

Consolidating your student loans has many advantages. Our team of student loan experts can walk you through various repayment strategies and help you decide if loan consolidation is right for you.

Schedule a consult today to receive a customized repayment plan. Your email address will not be published. Comment Required. Name Required. Email Required.

Get our weekly student loan updates. Notify me of followup comments via e-mail. You can also subscribe without commenting.

Variable rates range from 6. Unless required to be lower to comply with applicable law, Variable Interest rates on 5-, 7-, and year terms are capped at Your actual rate will be within the range of rates listed above and will depend on the term you select, evaluation of your creditworthiness, income, presence of a co-signer and a variety of other factors.

Lowest rates reserved for the most creditworthy borrowers. For the SoFi variable-rate product, the variable interest rate for a given month is derived by adding a margin to the day average SOFR index, published two business days preceding such calendar month, rounded up to the nearest one hundredth of one percent 0.

APRs for variable-rate loans may increase after origination if the SOFR index increases. The SoFi 0. This benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account.

The benefit lowers your interest rate but does not change the amount of your monthly payment. This benefit is suspended during periods of deferment and forbearance.

Autopay is not required to receive a loan from SoFi. You may pay more in interest over the life of the loan if you refinance with an extended term.

Upon disbursement of a qualifying loan, the borrower must notify Student Loan Planner® that a qualifying loan was refinanced through the site, as the lender does not share the names or contact information of borrowers. Borrowers must complete the Refinance Bonus Request form to claim a bonus offer.

If a borrower does not claim the Student Loan Planner® bonus within six months of the loan disbursement, the borrower forfeits their right to claim said bonus.

The bonus amount will depend on the total loan amount disbursed. This offer is not valid for borrowers who have previously received a bonus from Student Loan Planner®.

Splash Financial, Inc. NMLS , licensed by the DFPI under California Financing Law, license 60DBO Terms and conditions apply. Loan or savings calculators are offered for your own use and the results are based on the information you provide.

The results of this calculator are only intended as an illustration and are not guaranteed to be accurate. Actual payments and figures may vary. Splash Financial loans are available through arrangements with lending partners. Your loan application will be submitted to the lending partner and be evaluated at their sole discretion.

For loans where a credit union is the lender or a purchaser of the loan, in order to refinance your loans, you will need to become a credit union member. The Splash Student Loan Refinance Program is not offered or endorsed by any college or university. Neither Splash Financial nor the lending partner are affiliated with or endorse any college or university listed on this website.

Splash Financial and our lending partners reserve the right to modify or discontinue products and benefits at any time without notice. To qualify, a borrower must be a U. Lowest rates are reserved for the highest qualified borrowers. Products may not be available in all states.

If you do not use the specific link included on this website, offers on the Splash website may include offers from lending partners that have a higher rate. This information is current as of June 12, Rates are subject to change without notice.

Not all applicants will qualify for the lowest rate. Lowest rates are reserved for the most creditworthy applicants and will depend on credit score, loan term, and other factors.

Lowest rates may require an autopay discount of 0. Fixed APR: Annual Percentage Rate APR is the cost of credit calculating the interest rate, loan amount, repayment term and the timing of payments.

Variable APR: Annual Percentage Rate APR is the cost of credit calculating the interest rate, loan amount, repayment term and the timing of payments.

Variable rates are derived by adding a margin to the day average SOFR index, published two business days preceding such calendar month, rounded up to the nearest one hundredth of one percent 0.

Dental residents and fellows are unable to receive additional tuition liabilities for the duration of their Residency Period. Lowest rates displayed with an autopay discount of 0. Splash disclosures. To begin the qualification process for the Student Loan Planner® sign on bonus, customers must apply from the link provided.

The amount of the bonus will depend on the total loan amount disbursed. There is a limit of one bonus per borrower. This offer is not valid for current Splash customers who refinance their existing Splash loans, customers who have previously received a bonus, or with any other bonus offers received from Splash via this or any other channel.

If the applicant was referred using the referral bonus, they will not receive the bonus provided via the referring party. Additional terms and conditions apply. YOU ARE NOT REQUIRED TO MAKE ANY PAYMENT OR TAKE ANY OTHER ACTION IN RESPONSE TO THIS OFFER.

Rate range above includes optional 0. To qualify for this Earnest Bonus offer: 1 you must not currently be an Earnest client, or have received the bonus in the past, 2 you must submit a completed student loan refinancing application through the designated Student Loan Planner® link; 3 you must provide a valid email address and a valid checking account number during the application process; and 4 your loan must be fully disbursed.

This offer is not valid for current Earnest clients who refinance their existing Earnest loans, clients who have previously received a bonus, or with any other bonus offers received from Earnest via this or any other channel.

The smartest strategy to pay off credit card debt is through credit card consolidation. When you consolidate credit card debt, you combine Our team of student loan experts can walk you through various repayment strategies and help you decide if loan consolidation is right for you Outside of securing a debt consolidation loan, you can work to pay off your debt through the debt snowball or debt avalanche method, a debt

Bonus categories

Bonus categories

Q1: Grocery stores; fitness clubs and gym memberships. Q2: Amazon. com; select streaming services. Q3: Gas stations; car rentals; movie theaters; select live entertainment. Q2: Gas stations; wholesale clubs; select streaming services. com; Target. com; Walmart. Q1: Wholesale clubs; select streaming services; internet, cable and phone services.

Q2: Gas stations; home improvement stores. Q3: Grocery stores; select streaming services. Q1: Grocery stores; CVS and Walgreens.

Q2: Gas stations; Uber and Lyft; wholesale clubs; Home Depot June only. com; Best Buy Nov. Q1: Gas stations; select streaming services; internet, cable and phone services. Q2: Grocery stores; gym memberships and fitness clubs; select streaming services. Q3: Amazon.

com and Whole Foods Market. Q3: Home improvement stores; streaming services. Q4: Best Buy; online purchases from warehouse clubs. Q2: Dining; groceries; gas, rideshare and transit. Q3: Dining; entertainment; travel airfare, cruises, car rentals, hotels, travel agencies ; gas, rideshare and transit.

Q4: Holiday shopping including superstores, department stores, electronics stores, Costco. com and Amazon. com; Target in-store and online ; Walmart.

Q2: Home improvement stores; grocery stores. Q3: Gas stations; select streaming services. Q4: Department stores; PayPal and Chase Pay. Q2: Home improvement including warehouse and wholesale clubs. Q3: Travel purchases airfare, cruises, car rentals, hotels, travel agencies.

Q4: Automotive purchases including services, repairs and parts. Q1: Gas stations; internet, cable and phone service; and purchases via Chase Pay, Apple Pay, Android Pay and Samsung Pay.

Q2: Grocery stores, PayPal, Chase Pay. Q4: Department stores, wholesale clubs, Chase Pay. Q2: Home Depot, home furniture stores. Q1: Gas stations, ground transportation, wholesale clubs.

Q2: Home improvement stores, wholesale clubs. Q1: Gas stations, local commuter transportation. Q1: Home Depot, home furniture stores. Q3: Home improvement stores, Amazon. com, department stores, Sam's Club. Q4: Department stores, wholesale clubs. Q3: Home improvement stores, department stores, Amazon.

com, department stores, clothing stores. Q1: Grocery stores, movie theaters, Starbucks. com, Audible. com, Diapers. com, Zappos. Further, from Nov. Q1: Macy's, home furniture stores. Q2: Home Depot, home and garden stores. Q4: Online shopping, department stores. com, select department stores.

Q1: Macy's, drugstores, fitness clubs. Q2: Home Depot, home furniture stores, home and garden. Q3: Car rentals, Hilton hotels, theme parks, movie theaters.

Q4: Best Buy, department stores, toy stores. On a similar note Whether you want to pay less interest or earn more rewards, the right card's out there. See our Advertising Policy for more about our partners, how we make money, and our rating methodology.

Opinions and recommendations are ours alone. But that would be a mistake because it has tremendous earning potential. Chase announced that the bonus categories for Q1 will be grocery stores, fitness clubs, gym memberships, and self-care and spa services.

The grocery store category is one of the easiest to maximize. Not only do most people spend a solid chunk of money at grocery stores each month, but grocery stores usually sell gift cards for lots of other stores.

The Freedom Flex card is an incredible option for those looking for a well-rounded cash-back card, or a powerful point-earner when paired with a premium card in the Ultimate Rewards family. The Freedom Flex card is a simple but powerful credit card.

This no-annual-fee card offers bonus categories that rotate quarterly. In addition to these valuable bonus categories that help you earn tons of cash-back, the Freedom Flex card also has some great additional benefits , including trip cancellation and interruption insurance, purchase protection, and cell phone protection.

Hot Tip: The Freedom Flex card is not the same as the Chase Freedom ® card. The Freedom Flex card replaced the Freedom card, which is no longer available for new applicants.

If you already have a Freedom card, you can still get a Freedom Flex card. Not a bad earning potential for a card with no annual fee! Each quarter, you must activate your bonus categories. Starting December 15, , you can activate your Q1 bonus for Log into to your online Chase account and select your Freedom Flex card from the selections on the left-hand side of your screen.

If your bonus needs to be activated, you will see Activate on the Freedom Flex card dashboard. Click the link to continue. Click on the big green Activate Now button to complete the activation. Each quarter has a deadline for activating your bonus. As long as you activate by the deadline, any qualifying purchases from the entire quarter will earn bonus points.

Once your bonus categories are activated, you will be able to see that they are activated in your online dashboard for your Freedom Flex card. If you want to know how much you have spent down to the penny, you will need to use the Search feature right above the list of your transactions.

Under Time Period , select Specific date range. Next, input the start date of the current quarter with the end date being the current day. Then, click on the blue Search button. This selection will bring up a list of all transactions on your Freedom Flex card in the current quarter.

Unfortunately, there is no easy way to select only the purchases in the bonus categories, so you might have to do some manual math. The new bonus categories for the Freedom Flex card for Q1 are grocery stores, fitness clubs, gym memberships, and self-care and spa services.

The key to making the most of this card is to max out your bonus category each quarter. The cash-back you earn on the Freedom Flex card comes in the form of points that are each worth 1 cent. You can redeem these for cash-back, or you can book travel through the Ultimate Rewards portal.

Hot Tip: For some more information about how this all works, check out our in-depth guide to Chase Ultimate Rewards points. If you hold a premium card like the Chase Sapphire Reserve ® , Chase Sapphire Preferred ® Card , or Ink Business Preferred ® Credit Card , you can maximize the value of your Freedom Flex card.

Instead of taking cash-back, you can transfer the points earned on your Freedom Flex card to a premium Chase Ultimate Rewards card one that charges an annual fee.

Transferring points will increase their value when you use them to book travel through the Chase Ultimate Rewards travel portal.

You could get 2, 3, or more cents per point. Bottom Line: You can get the most value out of your Freedom Flex card by pairing it with a premium card like the Chase Sapphire Reserve card, Chase Sapphire Preferred card, or Ink Business Preferred card.

The Freedom Flex card is a great no-annual-fee card that has enormous earning power. The new Q1 categories are grocery stores, fitness clubs, gym memberships, and self-care and spa services. Related: These are the 8 best cards to use for your next pharmacy run. The best credit card to use for rental cards should not only earn extra points on the money you spend but also provide rental car insurance as a benefit.

An added perk is if the card provides rental car elite status to add ancillary benefits. The Sapphire Reserve is a Visa Infinite card, which provides perks like primary rental car insurance and National Emerald Club Executive membership , as well as perks with Avis and Silvercar.

The Sapphire Reserve also provides primary rental car insurance and elevated points earning on rentals. In contrast, the Platinum Card provides neither of these. While the Altitude Reserve does provide a travel credit and primary rental insurance, the points earned with Chase are more valuable and more flexible in how you can use them.

Related: 4 things to do once you get your Chase Sapphire Reserve. Ride-hailing and ride-sharing services are seemingly everywhere these days.

Credit card issuers have taken note, and several cards offer spending credits with these services , as well as bonus points for spending with ride-hailing apps.

The information for the Amex Green and Wells Fargo Propel Amex card has been collected independently by The Points Guy. Related: Frequent Uber or Lyft passenger? These credit cards are for you.

Streaming options have multiplied over the past few years. Chances are you subscribe to one or more of these services. Depending on what cards you have in your wallet, you may be able to get these services for free or earn bonus points if you have to pay for your favorite streaming platform.

The information for the Wells Fargo Propel Amex card has been collected independently by The Points Guy. The Platinum Card has added additional streaming platforms to its digital entertainment credit , so you may be able to get your favorite streaming service for free. Enrollment required.

Related: The best cards for streaming service subscriptions. Finally, every consumer should have a card for purchases that don't fall into a particular bonus category. My card for non-bonus spending is often a card for which I'm working to meet minimum spending requirements for a sign-up or annual threshold bonus.

But when I'm not working toward a bonus, here are my favorite rewards cards for everyday spending. Related: Best credit cards for everyday spending. In this guide, I discussed my favorite rewards credit cards for each bonus category, but you may have different favorites.

And be sure to check out my posts on the best cash back cards for each bonus category and the best business cards for each bonus category while building the best credit card portfolio for your spending and lifestyle.

For rates and fees of the Amex Gold Card, please click here. For rates and fees of the Amex Green Card, please click here. For rates and fees of the Hilton Surpass Card, please click here.

For rates and fees of the Amex Platinum Card, please click here. For rates and fees of the Delta SkyMiles Platinum Card, please click here. For rates and fees of the Delta SkyMiles Reserve Card, please click here.

For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

Skip to content. Advertiser disclosure. The best rewards credit cards for each bonus category. Katie Genter. Katie Genter Senior Writer. Katie Genter is a digital nomad who has traveled full time since June She writes and edits stories about points and miles, and loyalty programs, often letting her personal experiences color these stories.

Ryan Wilcox. Ryan Wilcox Credit Card Writer. Ryan joined TPG in and works as a credit cards writer, overseeing refreshes of card reviews and updating card offers.

He enjoys racking up cash back and helping readers maximize their points and miles for their next big trip. He's a former student journalist at The Daily Tar Heel and has years of experience with writing, editing, fact checking and copy editing. This post contains references to products from one or more of our advertisers.

We may receive compensation when you click on links to those products. Terms apply to the offers listed on this page. For an explanation of our Advertising Policy, visit this page.

What is a bonus category for credit cards? Best cards for airfare. Daily Newsletter. Email address. By signing up, you will receive newsletters and promotional content and agree to our Terms of Use and acknowledge the data practices in our Privacy Policy. You may unsubscribe at any time.

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Here are the bonus 5% cash-back categories for the Chase Freedom credit cards Earn 5% cash back from Chase on up to $1, in combined purchases in the bonus categories below from Keep an eye on which categories are active this quarter to earn the most rewards with the Freedom Flex