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Browse every guide and explainer in the PERQS Learning Center.

2,898 articles

How to Use Balance Transfers to Eliminate High-Interest Debt

Transferring high-interest debt to a 0% APR credit card can help you save significantly on interest payments, but the process requires caref...

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How to Use Great Credit Without Taking on Debt

As Americans' credit scores reach new heights, many wonder how to make the most of their excellent credit without taking on debt or increasi...

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How to Use Medical Credit Cards Wisely

Medical credit cards can offer a financial safety net for healthcare expenses not covered by insurance or Medicare. While they can make trea...

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How Unsecured Loans Work and When to Consider Them

An unsecured loan is a type of loan that does not require collateral, relying instead on factors like your credit history, income, and outst...

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How Young Adults Can Start Building Credit

Understanding the minimum age to apply for a credit card in the U.S. involves navigating legal requirements and practical limitations. While...

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HSA vs. FSA: Choosing the Best Healthcare Savings Option

Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs) are valuable tools for managing healthcare costs while offering tax ben...

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Hybrid Strategies for Debt Elimination Success

Becoming debt-free is a goal many strive for, but the best strategy to achieve it isn't one-size-fits-all. The two main approaches — the deb...

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Improve Your Credit and Reduce Debt for Better Loan Rates

Student loan refinancing rates remain low, but many borrowers are hesitating due to the ongoing federal student loan relief program. This pr...

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Interchange Fees and Credit Card Rewards: A Hidden Connection

Credit card rewards can be enticing, with sign-up bonuses and cash-back offers that promise substantial benefits. However, understanding the...

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