Optimizing Credit Use
There's no single "right" way to use your credit, but there are plenty of "wrong" ways. Learn how to take maximum advantage of the cards in your quiver, with CardClub.
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Frequently Asked Questions
CardClub Education
Just The Basics
We do our best to match readers with a good fit, but there's only so much we can do. Before searching, you need to have a good sense of your own finances, and how credit cards work. But if you don't: we're happy to walk you through the basics.
- Understanding Your Score
When it comes to choosing a credit card, credit score is the single-most-important factor that lenders consider. The adjectives used to describe score ranges are far from arbitrary. So, in addition to knowing your score, it's important to understand the broader context. To learn more about Credit Score Ranges, click below:
- Picking Applications
Picking the right application is half the battle. Rejected credit applications can your damage credit, and motivation. Knowing your credit score can reduce the amount of guesswork involved, but there's much more to it than that. To learn more about selecting appropriate offers, click below:
- Due Diligence
At CardClub, you'll learn exactly what to expect from specific credit card companies and the banks that back them before applying. We rigorously research every offer featured on our site and aim to match readers with products that best align with their budget and lifestyle. But, our research is only worth it if you read it. To learn more about our process, click below:
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Fees and Charges
Credit card companies employ a bevy of tactics to profit off the convenience offered by their product. Fees, penalties, and surcharges all come with the territory. Don't be caught unaware.
Understanding APR
Credit cards are a special type of loan known for imposing heavy interest, in exchange for the freedom they provide. In order to compare cards, it's key to understand interest, APR, and how they relate.
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