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Browse every guide and explainer in the PERQS Learning Center.

2,898 articles

Rebuilding Credit After a Secured Card Denial

Being denied for a secured credit card can be surprising and frustrating. Even though you provide a security deposit, approval isn't guarant...

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Regaining Control After Hitting Your Credit Limit

Maxing out a credit card can have significant consequences, including a drop in your credit score, increased minimum payments, and declined...

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Rising and Falling: CD Rates Explained for Savers

This article explores the historical and present trends of Certificate of Deposit (CD) rates, illustrating how interest rates on CDs have ev...

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Risks of Lying on a Credit Card Application

Applying for a credit card requires providing accurate personal and financial information. Falsifying details, such as income or employment...

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Secured Cards and Smart Strategies for Post-Bankruptcy Credit

Filing for bankruptcy can have a significant impact on your credit score and financial future, but it doesn’t mean you’re permanently exclud...

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Secured Credit Cards: Overcoming the Challenges

Rebuilding credit and navigating credit card rejections can feel overwhelming, but there are actionable steps to turn things around. By unde...

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Senior Life Insurance Guide: Coverage, Flexibility, and Top-Rated Providers

Finding the right life insurance as a senior can be challenging, especially as coverage costs typically increase with age. However, many ins...

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Should You Have More Than One Credit Card?

This article explores the benefits and drawbacks of owning multiple credit cards and whether having cards from the same bank or different ba...

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Should You Opt for Supplemental Life Insurance? Here’s What to Know

Supplemental life insurance provides additional coverage on top of an existing policy, usually through an employer, covering a range of need...

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