PERQS
Learning Center

All Articles

Browse every guide and explainer in the PERQS Learning Center.

2,898 articles

Balance Transfers: Are They Worth It?

Transferring credit card balances to a 0% APR card can be a strategic move to manage high-interest debt, but it comes with risks. Research s...

Article 5 min
Read

Balance Transfer Strategies: Maximize Your Savings

Managing credit card debt can be a challenge, especially when attempting to take advantage of 0% balance transfer cards. This strategy can s...

Article 5 min
Read

Balancing Financial Aid for Adult Children Amid a Crisis

The pandemic has left many millennials facing significant financial challenges, prompting some to seek financial assistance from their paren...

Article 5 min
Read

Balancing the Benefits and Risks of Multiple Credit Cards

Many people enjoy the benefits of credit cards, from rewards and perks to financial flexibility. However, the question arises: how many cred...

Article 5 min
Read

Bankruptcy and Shared Credit Accounts: Tips to Keep Your Credit Safe

Understanding the dynamics of authorized users and joint account holders on credit cards is crucial, especially when considering the potenti...

Article 5 min
Read

Boost Your College Aid Package with a Financial Aid Appeal

When students receive a college acceptance letter, it often includes a financial aid package that may not fully meet their expectations or n...

Article 5 min
Read

Budget-Friendly Strategies to Pay Off Maxed-Out Credit Cards

Maxing out a credit card can be a stressful experience, but it’s manageable with the right steps. Acting quickly to reduce your balance, adj...

Article 5 min
Read

Building Credit as a Non-U.S. Citizen: A Step-by-Step Guide

If you're a foreign national living in the United States, building a good credit history is crucial. However, without a Social Security numb...

Article 5 min
Read

Building Credit When You Have a Low Score

Building credit can be challenging, especially for those with bad credit scores. While traditional credit cards may be out of reach, credit...

Article 5 min
Read