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Browse every guide and explainer in the PERQS Learning Center.

2,898 articles

Credit Card Fraud: Breaking Down Liability

Credit card fraud is a prevalent issue, but consumers typically aren't held liable for unauthorized charges thanks to federal protections an...

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Credit Card Relief Options for Small Business Owners

A business credit card can be a valuable tool for managing small-business expenses, but financial downturns can make keeping up with payment...

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Credit Cards for Students: The Do’s and Don’ts

Managing money is a crucial skill often left untaught in college classrooms. While students focus on academics, navigating credit card manag...

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Credit Cards vs. Installment Loans: Which to Pay Off First

When managing debt, deciding whether to focus on credit card balances or installment loans can significantly impact your financial progress....

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Credit Score Essentials for Homebuyers

Understanding credit score requirements is key when preparing to apply for a mortgage. The minimum score varies depending on the type of loa...

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Debit or Credit: Understanding Fraud Liability

When it comes to online purchases, using a credit card often provides more protection than a debit card. This is especially evident in cases...

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Debt Collection Done Fairly: Know Your Rights

If you feel overwhelmed by debt collectors, you have more rights than you might realize. The Fair Debt Collection Practices Act (FDCPA) is a...

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Debt Collectors and the Law: Protecting Yourself from Illegal Threats

Owing consumer debt like credit cards, loans, or medical bills doesn’t put you at risk of arrest, and debt collectors are legally prohibited...

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Debt Consolidation vs. Debt Settlement: Pros, Cons, and Key Differences

Debt consolidation and debt settlement are two approaches for handling significant debt, but they function very differently. Debt consolidat...

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