Credit

Your credit score affects your interest rates, apartment applications, and sometimes job offers. The good news: you can see meaningful improvement in 90 days. How credit scores work Payment history (35%) — paid on time? Credit utilization (30%) — how much of your limit are you using? Length of history (15%) — how long have […]

If you’re not using a cash back card for everyday spending, you’re leaving free money behind. The right card rewards purchases you’re already making — without changing anything. Best overall: Chase Freedom Unlimited 1.5% on everything, 3% on dining and drugstores, 5% on Chase travel. No annual fee. Simple flat-rate structure — you never have