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Browse every guide and explainer in the PERQS Learning Center.

2,898 articles

A Guide to Reducing Credit Card Interest Payments

A recent survey reveals that nearly half of American credit card holders carry a balance rather than paying it off in full, which leads to c...

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A Guide to the 3 Major Types of Credit Cards

Credit cards come in three primary types, each catering to specific financial needs and goals: rewards credit cards, low-interest and balanc...

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Avoiding Hidden Costs of 0% APR Cards

Zero-interest credit cards offer a great financial tool for managing purchases and debt, thanks to their introductory 0% APR periods. These...

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Avoiding Pitfalls in Credit Card Balance Transfers

Balancing credit card debt with 0% interest cards can seem like an attractive way to save money. However, while transferring balances to mai...

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Avoiding the High Costs of Credit Card Cash Advances

Credit card cash advances, though convenient for quick cash, often come with steep fees and high interest rates. To avoid the temptation of...

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Avoiding the Trap of Credit Card Cash Advances

Finding yourself in need of cash but only holding credit cards can be a tricky situation. While a credit card cash advance may seem like a c...

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Avoid IRS Scams: Expert Tips for Staying Safe

IRS scams are becoming increasingly sophisticated, targeting individuals and businesses through fraudulent calls, emails, social media, and...

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Balance Transfer Checks: What They Are and How to Stop Them

Receiving unwanted balance transfer checks from your credit card issuer can be frustrating and clutter your mailbox. These promotional mater...

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Balance Transfer Fees Explained: When to Pay and When to Skip

Paying a balance transfer fee can be a practical move when working to reduce high-interest credit card debt. Balance transfer cards offer a...

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