Erin Gobler is a personal finance writer based in Madison, Wisconsin. She writes about topics including budgeting, student loans, credit, mortgages, investing and insurance. Her work has been ...

You’re ready to apply for a credit card—a powerful financial tool that can build your credit and buying power. And one of two things will happen when you apply: You’ll be approved or denied. But ...

Kelly-Ann Franklin has spent more than two decades in journalism which has helped her build a wide knowledge base of business and personal finance topics. Her goal with editing is to ensure tough ...

Aaron is an avid global traveler and miles and points enthusiast. In addition to writing for Forbes.com, Aaron is a full-time professional advisor to Fortune 500 companies at a global consulting firm.

Over the last several years, credit cards have not only become the main form of payment people carry with them but also the only form of payment that stores and vendors accept. Before you apply for a ...

What do I need to get a credit card? Paying with a credit card offers many advantages — convenience, protection against fraud and sometimes rewards in the form of cash back or points. To get a credit ...

Getting the right credit card starts with knowing your credit score, which can help you narrow down options you’re most likely to be approved for. Understanding credit card terms and what you’re ...

You see a tantalizing offer for a credit card -- maybe with generous travel or cash-back rewards-- so you heed the command to "Apply Now," and then fantasize about the goodies the card will bring you.