John comes from a diverse background of software development, web publishing, and personal finance. He knows firsthand what it’s like to accumulate credit card debt, pay it off completely, and then start using credit to his advantage. His passion for technology and attention to detail have made Credit Card Insider one of the premier credit resources on the Internet, and he is eager to help others tackle debt and use credit as a powerful tool rather than fear it.
If you already know what credit utilization is, you’re probably on the way to building great credit. It’s the percentage of your available credit that you’re using, and it’s a major factor in most credit scoring models. You may have also heard it called the “debt-to-limit” ratio. In general, you will earn more credit score points if you’re using 1% […]
There is no exact credit score you need to get approved for a credit card. If I had to pick a number, I’d say you may run into trouble getting a credit card if you have a FICO score or VantageScore below about 600, but it’s more complicated than that. If you’re asking this question, there are some important things […]
Uber and American Express have teamed up to provide a great incentive for Amex cardholders in the U.S. traveling from airports through the end of the year: up to $65 of credit toward on two separate rides. So, as long as your ride from the airport is less than $65, it will be free under […]
You may be asking yourself “Can I get cash out of the ATM with my credit card?” Yes! Most credit cards will let you get cash out at an ATM. Great news, right? No way! Withdrawing cash with a credit card is a cash advance. Cash advances usually come with very high costs. Even worse, they […]
Transcript Hi I’m John Ganotis from CreditCardInsider.com and today’s video is: Three things you should know before you apply for a store credit card. What do I mean by a store credit card? Well, a credit card that you get at a retail store, like Best Buy, Victoria’s Secret, Walmart, Amazon, one of those. 1 […]
Transcript Hi, I’m John Ganotis from CreditCardInsider.com and today’s question is: Why do I get so many credit card offers in the mail? And the follow-up question: How can I stop them? So, the reason you get so many credit card offers in the mail is that the credit card companies want you to sign […]