Whenever we discuss the benefits of using credit cards, we typically caveat it with the most important rule: pay your credit card bill on time and in full every month. Paying on time prevents late ...

Even with a credit score over 800, I've still been denied for some credit cards. Most people think once your score hits "excellent," you're golden. But that's only part of the approval puzzle. Lenders ...

How to decide if the points, perks, and cash back outweigh the costs LaToya Irby is a credit expert who has been covering credit and debt management for nearly 20 years. She's been quoted widely in ...