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Browse every guide and explainer in the PERQS Learning Center.

2,898 articles

Credit Cards 101: How to Choose and Manage Them

Credit cards offer a convenient way to make purchases while providing benefits such as consumer protections and credit-building opportunitie...

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Credit Cards and Household Income: What You Need to Know

If you're 21 years or older, you can now include household income, such as your spouse's earnings, on your credit card application. This shi...

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Credit Cards for Young Adults: A Beginner's Guide

This article offers an in-depth guide for young adults considering their first credit card. It explains the age and income requirements, the...

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Credit Cards: Helpful Tools or Dangerous Traps?

Credit cards are powerful financial tools that offer numerous benefits, from rewards to building credit, but they also come with risks like...

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Credit Card Statement Basics: Key Sections Explained

Your credit card statement is a vital financial document, even if it doesn’t top your list of exciting reads. Reviewing it monthly is essent...

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Credit Unions vs. Big Banks: A Debt-Reduction Guide

Credit card debt is a significant challenge for many households, with average balances exceeding $16,000 and annual interest payments of ove...

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Credit vs. Charge Cards: Which One Should You Choose?

Understanding the differences between charge cards and credit cards is essential for managing your finances wisely. While they look similar,...

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Debt Management: Credit Card Transfers Explained

If you're trying to climb out of debt, transferring balances to a low-interest or 0% APR credit card can be a powerful strategy. Many types...

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Debt-to-Income Ratio Explained: A Guide to Financial Stability

Managing your debt-to-income (DTI) ratio is crucial for financial health, especially when applying for credit cards. Even individuals with g...

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