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Browse every guide and explainer in the PERQS Learning Center.

2,898 articles

Building Credit with Authorized User Accounts: What to Know

Adding someone as an authorized user to your credit card can help boost their credit scores, provided your account is in good standing and p...

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Business vs. Personal Credit Cards: What Entrepreneurs Should Know

Using a credit card for business expenses is common, but choosing between a personal and a business credit card depends on your unique needs...

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Cash Value Life Insurance vs. Term Life: What You Need to Know

Cash value life insurance is a type of permanent life insurance that includes a savings component, allowing policyholders to accumulate fund...

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Chargebacks Explained: A Powerful Tool for Consumers

Credit card chargebacks offer consumers a robust tool to dispute charges and protect themselves from shoddy goods, services, or fraud. Under...

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Choosing Between a Money Market Account and a CD

Choosing between a money market account (MMA) and a certificate of deposit (CD) depends on your financial goals and how you plan to access y...

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Choosing the Right Tool for Debt Consolidation

Deciding whether a credit card is the best way to consolidate debt depends on factors such as the amount of debt, your credit score, and you...

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Creating Successful Family Loan Agreements

Family loans can be a practical solution for borrowing or lending money among loved ones, offering an alternative to traditional or high-int...

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Credit Card Applications: What Counts as Income?

Understanding how to accurately report your income on a credit card application is crucial for securing a credit line that fits your financi...

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Credit Card Billing Explained: Tips for Paying Smarter

Managing your credit card payments effectively can significantly impact your financial health. While it’s essential to pay your credit card...

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