Author - Stacey Hawk

How to use a student credit card successfully

Signing up for a student credit card probably sounds exciting. After all, for most students, the first chance is to open a line of credit, in addition to the student loans they have taken.

However tempting it may be to take this new card for a round at the nearest mall or to animate your friends for brunch, the true purpose of a student credit card is to encourage young people to improve their credit rating. This can only happen through responsible and consistent interaction.

If you have just signed up for a student card, here’s how to use it successfully.

Use it for small recurring bills

Part of what determines a credit score is the percentage of credit utilization or the amount of available credit that you use. If you have a credit card with a $ 200 limit and a $ 100 balance, use 50% of the card’s credit.

It is best not to use more than 30% of your credit limit or your credit rating will be affected.

Most student credit cards have a small credit limit, so it can be easy to get over it. If your card has a limit of $ 1,000, do not spend more than $ 300 on the card during the billing cycle.

The easiest way to go below the recommended limit is to use the card for only one or two small recurring bills. A subscription service like Hulu or Spotify is an easy way to do that. Simply link your card to the account and put it away in a safe place.

Make automatic payments

The most important element in determining your credit score is whether you pay your bills on time. This represents 35% of your total FICO score. If your credit card bill is paid every month on or before the due date, your credit rating will increase.

Timely payment can be difficult for a busy student, especially if you choose manual payments. The simplest solution is to schedule automatic payments from your bank account.

You can decide if you want to pay the entire bank statement or the minimum payment. If you only pay the minimum, interest will be charged but it will not affect your creditworthiness. If you can afford it, you’ll pay the balance in full.

Make sure you have enough money in your bank account to pay for your credit card bill. If your bank account does not have sufficient funds, you will be charged a refund fee. You may also owe a late fee and penalty fees. You can set the minimum amount to be paid automatically each month and the balance paid manually to avoid overdrawn current account.

Choose Paperless Bank Statements

Credit card issuers send monthly bills that list your fees, the minimum payment, the due date, and the available credit limit.

Billing can be done by mail or electronically. Many security experts recommend that you create electronic bank statements to avoid stealing a bank statement and hacking into your account. If you opt for paperless bank statements, make sure that you continue to read the statements each month.

Check your bill regularly

Even if you only use your student credit card for your Netflix subscription, it’s still a good idea to check card activity about every week. Credit cards can be hacked. Fraud should be detected sooner rather than later.

Create a calendar event or reminder on your phone to view your bill. If you see something you do not recognize, immediately call the card provider.

If you lose your card, cancel it immediately and get a replacement card. If you do not cancel a card after it has been fraudulently used, you can be held liable for purchases up to $ 50. It is also troublesome to individually call and complain about purchases.

Avoid using the card

With a credit card, you can easily spend money without noticing that the budget is exceeded. A study found that people can spend up to 100% more using a credit card instead of cash.

One way to get around this risk is to just leave your card at home. If you go shopping or go out with your friends, bring cash with you and take only as much as you want to spend.

Take advantage of credit card rewards

Some student credit cards offer additional rewards and perks that you can not find with a debit card. For example, the Discover it Student Cash Back card offers a $ 20 bonus if you have a GPA of 3.0 or higher.

Other rewards may be cashback, travel insurance or no fees for foreign transactions. This can be a lifesaver if you travel abroad or go on a spring break.

Track your credit score

After using your card, you can track the progress of your credit rating through the Mint app. Some card providers also have their own credit monitoring system.

It can only take a few months for a big bump to be seen in your score, especially if you use the habits listed above.

Monitoring your credit history also keeps you up to date on issues such as identity theft or bills sent to collections.

A good credit score will help you immensely after graduation. You can get a flat without a co-signer, refinance your student loans or sign up for benefits without having to pay a down payment. You may even be able to upgrade to a better premium credit card with exclusive travel or cashback benefits.

Keep the card open

It may seem logical to cancel your student credit card once you are no longer a student, but you do not have to be in college to run a student credit card.

Closing the card can also affect your creditworthiness, especially if you do not have alternative forms of credit. Instead, keep the card open and use it every month. Use the above strategy and keep a small recurring bill on the card.

The average age of your credit accounts accounts for 10% of your FICO credit points. If possible, keep the card open as long as possible to get a healthy score.

How to save money to make your dreams realize?

Tips to help you realize your dreams of buying a home.

From outstanding credit card debt to massive student loans, financial difficulties keep more people from becoming homeowners. While the vision of buying a home for the first time seems to be hopelessly far away for many, there are strategies to make that happen. These expert tips can help turn those dreams into reality.

Tips for saving money

Replace plastic with cash

An excellent strategy to save money is to spend two weeks (or a month, if you feel ambitious) paying in cash. With credit cards, debts are easier to make, as all prints are digital. When you hand over cash, you see and feel the money that flows from your wallet. Using cash can help train your brain to match your spending habits with the money actually spent, and it will inspire you to stick to it.

Consolidate debts

Several debts can be crippling. The trick is to attack the smallest amount first. If you make more than the minimum payment you demand and make more frequent payments, you can save interest on that balance and reduce stress. Once you’ve decimated that debt, apply the same strategy to the next lower balance. Rinse and repeat.

Budget a game

One way to make the budget more bearable is to turn it into a game. Challenge yourself to spend only a certain amount each week, for example, to take with you. The key is to try to account for every dollar you spend.

Look at automatic prints

Many amenities are automatically deducted from bank accounts each year and every month, especially for millennia. Services like Netflix, Amazon Prime, gym membership, and phone bills can, but do not have to, charge your bank account. First, make a list of all your automatic prints. It could be shocking to see everyone together. Next, decide how many are necessary or beneficial to you. Cutting out a single service can start making a difference.

Tips for saving on home insurance

Add security features

A great way to lower your homeowner’s insurance premium is to install an alarm system or other security features in your home. There are many low-cost systems on the market today, including customized design options from SimpliSafe. If you reduce the risk of a burglary, you can be reassured and noticeably relieve your insurance bill.

Share your space (and rent)

Being a homeowner does not mean that you have to pay for a whole house yourself. In addition to buying a two-bedroom apartment, there are other ways to share a house and cut costs. If you plan to rent a room in your home, you can easily spend extra money each month on your premium. Some new homeowners also choose to share a maisonette with another tenant instead of buying a single-family home.

Buy new

Newer houses may have higher prices, but also the advantage of cheaper insurance. New buildings pose a lower risk for insurance companies, resulting in lower premiums. Although the recently renovated 1972 home looks charming and new, you should weigh the cost over time compared to a newer building. The refurbishment may have overlooked plumbing and a new roof, and both can be associated with high prices.

Clever shopping

Working with an experienced independent insurance agent is the best way to save money on homeowner insurance. An agent knows how to shop in the market and find the best deals for you, as well as tricks to further lower your premium. You can also associate with a policy that meets your individual needs.

Get your money: Start your budget on a Saturday

Do you know what a great challenge is? When Saturday comes and your friends want to meet for mimosa bottomless – but your account balance approaches zero. Not only can you not afford to go out, you are also likely to be worried about having enough to cover your rent. How can you possibly save in this case?

Make a small change to make sure you pay yourself: Start your budget on a Saturday. Keep track of your bills and set up a budget for an emergency fund:

Separate your bills from your expenses

When it comes to spending, you may have heard the terms “fixed” and “variable.” Fixed expenses are invoices that you normally have to pay each month and whose amount does not change. Think: rent, insurance, cables, student loans and utility bills.

Variable expenses are things whose amount changes every month. For example, money you spend on restaurants, entertainment, groceries, clothing, personal items, etc.

For the weekly budget to work, you want to separate your variable expenses from your fixed expenses. Next, determine how much money you have left after your bills have been paid. If it’s $ 1,600, you commit to providing a fixed amount to your emergency fund each week or every month. (Note: Auto Save is your friend.) You can spend the rest on anything you want. So, if you want to spend $ 400 a month on your emergency budget, you’ll spend about $ 300 a week on your spend budget.

Start your budget on the weekend

My friend Ari Hren-Boulis, a financial coach and founder of Aristotle’s Coaching, came up with the idea when he was in college. He would start his weekly budget on a Monday. And until the weekend ended, he would not have the money to drink with his friends. He decided on a simple change that made a big difference and started his budget on Saturday. In this way he had more money at leisure and could enjoy himself.

Plus, it’s much easier to save during the week when you’re busy. “It was easier to save from Monday to Friday, to bring your own food to work than to buy food at work,” says Hren-Boulis, who is now 26 years old and graduated as a certified financial planner.

Think about what motivates you

Hren-Boulis points out that a successful weekly budget planning is up to you and motivates you. If you are not motivated to save money during the week so you can enjoy the weekend brunch, think about what you would rather spend your money on. “It really is the place where you spend the most money and usually spend money on those things,” says Hren-Boulis. “When will you do something that will cost $ 40 or $ 50?”

I love to top up treats from the Sunday farmers market. After starting my budget on different days of the week, I realized that starting my weekly budget on a Sunday did that for me. I did not mind being more frugal for the rest of the week so I could enjoy organic vegetables and freshly prepared Greek figs yogurt. My friend Tricia wants to make sure she has enough money in her weekly budget to buy food for herself and her five puppies. In her case, it makes more sense for her to start her weekly budget on a Monday.

Research your problem areas

Spending plans and budgets change with changes in your needs and habits. If you’re increasing your budget or changing from a monthly budget to a weekly budget over a weekend or another day and are still having trouble saving, go deeper and look for the problem areas.

Ask yourself why you may not save money. Maybe you still spend too much in certain areas? Or you tend to let up when someone asks you to borrow money, even if you do not have the money you have at your disposal? Whatever the reason, restart your budget. Then try it out to see if your spending plan is up.

Find your rhythm

No matter when you choose to increase your budget weekly, the magic is that you fall into your own personal spending rhythm after about six months, explains Hren-Boulis. As a lifelong budgie who always makes tweaks.

While there is still a bit of work to be done, I have also found that you are developing an intuitive, budgetary spidey sense approach. “You will get to the point where you look and find out how much money you will spend,” says Hren-Boulis. “They start figuring it out and then prepare.”

Just as my partner has learned how to make good choices with his diet based on what he puts into his shopping cart every week on the market, you can gauge how best to divide funds into your weekly budget.

So, if you have a budget of $ 250 a week and you spend about $ 80 on food and $ 80 on food, you’ll spend $ 110. If you want to spend more on clothing or household items at Target, spend a little less on food this week.

If I want to make larger purchases, eg. For example, if you purchase another set of yoga classes or aqua-gym classes, I will access my Splurge Fund.

Budgeting requires work but does not have to mean self-deprivation. When you find a flow that suits you best, you feel less financially strong and more inclined to stick to an expenditure plan. This means you will not have to worry about having cocktails, farmer’s market vegetables, or a few dollars more on the bank at the weekend.

5 quick ways to save money for the holidays

5 quick ways to save money for the holidays

Your spending may pick up later in the year. Just before the holidays, families may be preparing to travel to see their loved ones or buying gifts. However, if you have not saved before, this may mean that you are charging a credit card and are struggling with debt for a while.

Easy ways to save money during the holiday season

If you try it Avoid breaking your budget and you have to take on debt have a plan to save more, The challenge that you, like many parents, might have is to find those who will give you enough profits for the time you invest.

I totally understand it. With two little ones at home we pay attention to our schedule. Nobody wants to save $ 5 here and there by doing a lot of pointless surveys, but $ 5 to $ 10 a day for little work? This could be a win as it adds $ 150 to $ 300 per month.

No matter what your schedule looks like, I want to show you five ways you can save extra money.

Take a money challenge

One of my favorite ways to save money is to turn it into a game.

Saving money just to save money can get old. So, if you set a limit that represents either a weekly or a monthly cash challenge, it’s recommended that you stick to it. Over the years we have implemented a whole range of monetary challenges. It helped pay our car loan early and turn off our student loans. Invite each other instead of going out on a weekend with friends. You can have themes and everyone brings a dish for a potluck.

Since the average dinner can get out It costs around US $ 36 per person, and a meal prepared at home costs US $ 4You save about $ 32 per person! If you do this twice a month for a family of four, that’s an additional $ 296 per month that you can use elsewhere.

You are not sure how much you will save? Here is a money app mint can help. By setting up and connecting your accounts, Mint can quickly determine how much you spend on these meals.

As you rise to the challenge, you will see the difference that you should turn into savings.

Seasonal work

Sounds exciting, I would admit, but taking on seasonal work was a pretty big source of income for me. I was a retailer while studying full-time and had a day job.

As an employee, I not only got money, but also certain things with a considerable discount. This can be an advantage if you want to pick up gifts for your friends and family. The retailers and the delivery staff are very busy. So if you want to make more money, check it out when hiring.

With more jobs in the gig economy, you have more options to do the job that fits your schedule. For example, Amazon announces that flexible schedules are offered so it will not hurt to check the positions to see if there is a place that meets your specific needs.

You may also want to be a ride-on or caterer. At this time of the year, people will travel to visit relatives, giving them more opportunities to earn extra money.

Additional cash by decoding

If you have children, there is a good chance that you have disorder. I remember how surprised I was at how much stuff the girls owned when we moved into our house. Although they certainly enjoyed the gifts, they eventually grow beyond the stuff. This can be a fantastic excuse to free up space in your house by selling a few things that you used carefully.

Put in your softly used heels that you no longer carry, video games and technology, and maybe you’ll be collecting a good deal of money soon! You can go on and list them on sites like Craigslist, eBay and Facebook Marketplace.

If you want Streamline things when you sell and use apps like Decluttr, OfferUp and gazelle can be the right way. Gazelle can be a handy way to get some money back for your old cell phones, while Declutter can be used for your movies and video games. This will give you the double benefit of cleaning your space and earning some extra money.

Deal Spotter (without clipping coupons!)

Whether you like to shop in stores or stay home with your laptop, if you want to save, you must be a bargain hunter.

The first tip is to make sure you use price alerts. So use it, if something you’ve already bought (important point!), Go on sale, you can grab it.

The second tip I have to save money is to make sure you get the discounts you are entitled to. With browser extensions like Honey, you can automatically search for promo codes that will save you a little more. Adding these discounts across multiple purchases can result in significant savings on your bank account.

Know your city

Just because you’re concentrating on saving some money this season does not mean you’re stuck at home. You do not have to spend a lot of money to have fun. Find out what free and cheap events are taking place in your city. You can spend a day or a night without breaking your budget.

College bands, cultural festivals and local parks are wonderful ways to spend time with your family or friends. If you’re not sure where to find these events, check your city’s website, which usually lists events, or your local news channels to see if a person collects that information.

You save more

It does not matter if you make money on the side, break up your place or try a money challenge – it’s a smart move to have extra money. Choose which ones make the most sense for you and get started.

When you start saving, make sure that you have a plan for this money! Begin by automating or transferring this money to a savings account, preferably one with a high interest rate. If you need the money then you can withdraw it to your check and use it. If your account receives more cash, you can steer it towards your big money goals or use them for the holidays.

Basic information on gross income compared to net income

Basic information on gross income compared to net income

Whether you are running your own business or working for someone else, some metrics are critical to understanding how you are doing financially. Net income and gross income are two numbers that can help you assess your business or personal finances. Different people and organizations may need to know your gross income – from your landlord to your accountant. You need to know your gross income when applying for a car loan, completing your tax return or taking out a mortgage.

Gross income refers to the total amount of revenue you or a company earns in a given year (less some specific expenditure). The net income, on the other hand, is the amount of the remaining income after all expenses have been taken into account. Before you make a plan for your budget, business, or investment, let’s take a closer look at these two important terms.

What is the gross income?

Gross income is the total amount of income that an individual or business has earned in a given period of time, usually one year. The gross income for individuals includes wages, salaries, pensions, interest, dividends and rental income. For companies, this means revenue from all sources – basically everything that is in the income statement.

How you calculate your gross income depends on whether you are talking about an individual or a company. When you run a business, your gross income helps you see how well the business is working. As an individual, you know exactly how much you earn.

How to calculate the gross income

The gross income is calculated equally for businesses and individuals: they add up the various amounts of money you have generated over the course of a year, less any costs or adjustments.

To calculate your gross income, add the income you have received to the money you have earned from real estate rentals, stock dividends and alimony payments or benefits received.

You may deduct certain amounts, such as the interest you pay on your student loans, and certain benefits, to obtain a value known as adjusted gross income (AGI) – the amount you are taxed on.

For entrepreneurs, the gross income is calculated by adding up any revenue the company has made directly from its sales or services. The costs of goods and raw materials and direct labor costs are deducted.

Use the following equation to calculate the gross income:

Sales – Cost of Goods Sales (COGS) = Gross Income

Gross income for businesses

Regardless of whether you sell a physical product or provide a service, your gross income is the same calculation and provides information about the financial state of your business. The number is often converted into a percentage, referred to as gross profit or gross margin.

When calculating your gross income, you deduct the specific costs directly associated with creating your product or providing your service – but not all of the costs. The raw material costs are deducted. However, overheads, including wages that are not directly related to the goods or services, will not be deducted.

Here is an example. A clothing company manufactures designer jeans for $ 110 per pair. They sell 5,000 pairs and make $ 550,000 in sales. If the denim they buy to make the jeans costs $ 45,000 and the tailor’s pay is $ 42,000, the company’s gross income can be calculated as follows:

$ 110,000 – ($ 45,000 – $ 42,000) = $ 463,000

Here is another example:

A plumber who runs his own business charges $ 50 an hour and works 80 hours a month, generating $ 4,000. Since he has no direct costs other than gasoline for his car ($ 120), his monthly gross profit is $ 3,880.

What is important is that direct labor costs, such as the wages of the people making the goods, should be deducted. However, this should not be rents, utility bills and administrative costs.

Gross income for one person

When calculating gross personal income, you should add up your wages (including any premiums and gratuities received) to income from real estate, shares, maintenance, pensions and taxable benefits. You can determine the taxable amount by deducting any amount above the line deductions like student loan interest.

It is worth noting that some sources of revenue are not taxed, such as: Insurance benefits, inheritances and gifts. While you do not need to consider this information when calculating your personal gross income for your tax return, you may do so in other circumstances, such as: For example, when you apply for a loan.

Here is an example. Jane works for a wildlife charity and her salary is $ 3,000 a month. She rents her guest room at Airbnb, earning her an additional $ 900 a month. It then deducts the interest on its student loan ($ 150), which is an off-balance deduction to earn a gross monthly income of $ 3,750.

(3000 USD + 900 USD) – 150 USD = 3750 USD.

What is the net income?

Net income, also known as net profit, is the remaining revenue after deducting expenses from total revenue. In other words, net income is the amount you earn after you have taken all your costs into account. Like the gross income, the net income for your personal finances or a business can be calculated.

Net income tells you how much you are going to take home after taking into account the expenditures required to earn the income. For example, you would deduct the cost of going to work, such as: For example, your gasoline or bus tariff. Other work related expenses, such as purchasing a uniform or paying income taxes, should be deducted to determine your net profit.

The net income of a business is the turnover of the business minus the costs. Subtract all expenses, including all staff taxes and salaries, to inventory purchases and utilities. By calculating the net income of a business, you can see how profitable it is. After deducting costs, you know how much the company actually earns. A company with a positive net profit makes profit. If the net income is negative, the company is operating at a loss. Knowing net income helps investors better understand how a business is developing. This is a key component for analyzing an inventory for purchase.

How to calculate the net income

To calculate your personal net income, subtract your expenses from your total revenue for the year.

Formula: Net income = Total income – Total expenditure

Let’s say Jennifer’s jewelery business had $ 50,000 in sales this quarter. With her business expenses including operating expenses, salaries, inventories and taxes of $ 20,000, her net income is $ 30,000.

Total Revenues (50,000 USD) – Total Revenues (20,000 USD) = Net Income (30,000 USD)

Jennifer’s jewelery company made a $ 30,000 profit this quarter, which she can reinvest in the business.

You can find the net income at the end of a profit and loss account, as shown in the following example. The expenses are divided into categories such as operating costs and taxes.

Net income for a company

The net income is usually easy to find in a financial statement and an important factor in the investment decision. Compare the net income with the competitors’ companies and other factors such as the P / E ratio and the ratio of debt to equity to see if you should invest.

Check your operating costs and strive for the highest possible profit margin to achieve a solid net income for your business. If you can reduce costs such as staff costs for the same gross income, your profit margin is higher.

Net income can also help you to calculate the price-earnings ratio of a company – which is helpful to investors. The price-earnings ratio (P / E) measures the current share price of a company with earnings per share. Generally, a high P / E ratio means that investors expect higher growth in the future. If a company does not have a P / E, it loses money.

Net income for one person

Personal net income refers to the income you have left after deducting work-related costs such as health insurance premiums, taxes, and pre-tax retirement contributions. Your annual net income is the amount you take home the year after deducting the costs associated with making that money.

It is important to be aware of this Deductions for which you may be entitled in preparing your taxes, such as travel and office expenses. Understanding your net income can help you determine where and how to spend your money, such as: B. in the estate planning and 401k investment, For example, it might be more beneficial for you to provide money to a business 401 (k) before taxes than to provide money to a business after tax IRA,

Your gross and net income can affect your taxes and other financial decisions, such as your investment. The gross and net income of a company provides information about its profitability and gives you important information about whether you should invest. Total with a budget and a investment plan Make sure you make the most of your hard earned cash.

How to save money with Curve?

How to save money with Curve - everything you need to know

Managing funds in multiple accounts can often be difficult, making budgeting even more difficult. At Curve we really solve this problem. Now, for the first time, you can manage all your spend on all your banking activities.

On the Curve app, you can now see all your cards and finances in one place that makes it much easier to keep track of spending.

Your own time machine

With the exception of Doc and Marty McFly, Curve really did invent the time travel and we did not need DeLorean to do that!

Have you ever used the wrong card to pay for lunch, clothes or even a vacation? Have you ever said anything to your dream person and regretted it immediately? Well, you need to give us some extra time for the latter, but our flux capacitor will make sure you never pay for something with the wrong account again.

For purchases of up to £ 1,000, you have 14 days to change the card you use and let the rest of Curve take over!

Killer FX prices when traveling

You read that right. The days when you had to worry about using your checking account abroad are long gone. One of our most exciting features here at Curve is that you can do this enjoy murderous exchange rates. You do not have to worry about these annoying hidden transaction fees and still have the benefit of using one of your regular bank accounts.

If you’re an expat, you can now have the luxury of using your local national bank account in the UK by adding it to your Curve wallet and taking advantage of all the fantastic features of Curve!

Curve Cash

Giveaways? We covered it. There is nothing better than saving money and spending it at the same time. That’s why we set up our reward scheme that way You can earn money as you spend.

If you order food from Deliveroo or purchase from Tesco, Starbucks, Amazon, or over 100 other retailers from our list, you can choose your favorite brands 1% instant curve cash Cashback.

So yes, that’s right, with great features like Back in the past, killer FX courses, Curve Cash, curves All your cards in one helps you to save in many ways. We’ll bring you everything in one great app right away. You can track your expenses with real-time notifications. And everything you buy gets a color category in your timeline. So if you try to save, Curve will help you understand much more. Let’s face it, if you save with Curve, what is not there to love?

Everything you need to know about Curve

Is the curve map free? Everything you need to know about Curve

With Curve, you can Charge all your cards in a smart card and an even smarter app. So you can experience our amazing features like 1% instant curve cash, our Killer FX rates and you can even Go back in time to change the map used. That may sound too good to be true … It will cost you something, right?

We are glad that you did not spend a penny for most of the customers most of the time.

Curve blue is your gateway to financial freedom innovative signature features you’ll love: all your cards in one, Go back in time, Killer FX rates on travel and 1% Instant Curve Cash for an introduction 90 days. Well Send it to you for free and there is no monthly subscription to pay. You just get fantastic features and benefits.

The reason why we can not say that “curve is free” is that there are occasional costs when shopping abroad or withdrawing foreign ATMs.

  • Do you like travelling? Who does not? Travel, however, can be difficult if you are blind to exchange rates. Our killer FX courses are incredibly competitive. With our premium cards, we give you access to the benefits during the week Interbank rate – which is simply the same course banks use to transfer money between themselves. At weekends, We are taking the price from Friday 23:59 and will charge an additional 0.5% for all transactions in GBP, EUR and USD and 1.5% for all other supported currencies. You can read everything more finely Details of these fees can be found here.
  • If you enjoy your travel experiences, you’ll be glad to know which Curve card you can use them for Withdrawals of ATMs abroad. With Curve Blue, ATM withdrawals are free during the week for up to GBP 200 / month. Curve Black payouts are free for holders of Curve Metal cards up to £ 400 / month and £ 600 / month. After these limits, you will be charged £ 2 or 2% per withdrawal, whichever is higher. On weekends charges may apply.

If you decide to upgrade to Curve black or Curve Metal, You pay a monthly subscription fee to take advantage of advanced features and exclusive benefits to discover a whole new world of financial freedom.

For only £ 9.99 (€9.99) per month, you can get Curve black – Your ultimate travel companion. With Curve Black you get AXA travel insurance plus gadget insurance for your phones, tablets and laptops – you do not want to travel with other people. You also get the chance to earn Curve Cash from your 3 selected dealers for an unlimited period of time.

Our biggest card yet is our beautifully brushed 18g Bend metal Card (in 3 different colors to choose from) and for only £ 14.99 a month, this card opens the door to an unparalleled shopping experience. With the chance to earn Curve Cash of 6 of your chosen dealers indefinitely. You get all the cover you get with Curve Black, and with car rental insurance, your rental car is protected during your trip. They are also treated like kings around the world LoungeKey access to the airport lounges,

As you can see, we offer you a range of innovative and fantastic features that you can experience at all levels. With curve, Whichever card you choose, They bring a whole new meaning to financial literacy and equip themselves with the best tools to bring to the world.

Your bank card was blocked and you need a quick solution?

Your bank card was blocked and you need a quick solution?

Have you ever entered the wrong PIN twice and believe that magic will occur on the third try? Do not deny it. You have been a victim of this illogical thinking at least once in your life. And spoiler alert to the few of you who have not done so: nothing good will ever come out. Why? Because, You only lock your bank card. 🙄 Fortunately, these dark times will remain in the past after reading. How to solve the problem quickly and easily. You’re welcome. 😉

Locking your bank card is not the alpha and omega. You can usually:

  • Unlock your bank card at an ATM.
  • Call your bank – You may be offered by phone to unlock the PIN.

Unlock your bank card at an ATM

If you are often in this distress, ATM is your best friend. Why? Because you can do it Unlock your PIN super easy. All you have to do is go to the ATM and enter your bank card and PIN as you wish. Next you have to Select “PIN Services”. and then Unlock PIN and ta-daaaa! Just like magic – you unlocked your bank card.

Most British ATMs offer this service.

What this service does not do is tell you your PIN. Call your bank to find out what services it offers.

Give your bank a ring

Another option is too Call your bank. You may be able Unlock your card on the phone. Be sure Keep all your personal information ready. They will most likely ask you a few security questions.

And there you have it. The next time you Lock your bank card You can Let it sort in minutes without the effort and without the faff. Unfortunately, these things happen to the best of us. Although, just put it out there😉, If you’re using a curve card, it’s no problem to forget your PIN, Why? You can always see your PIN in the app. You could also get 1% instant curve cash at selected dealers also with your purchases. I say only 😏.

5 ways to save money on your credit card when you are on River Island

5 ways to save money on your credit card when you are on River Island
River Island, which is one of the biggest and most popular clothing brands in UK, is a great place to find fashionable but affordable clothing and accessories. It’s time to take a page out of your book and have the “save” mentality. You can reduce the reasonable prices of the store a little further. Sounds good? All you need to do is take a look at these 5 tips. In a short time you will accumulate savings and look fabulous.

  1. Embrace the student discount. If you already had registered through Beans students, you could be eligible for 20% discount on all clothes. However, there is a catch: it is only certain times during the year, especially during the time back to school, what happens now! It is worth having this trick up your sleeve.
  2. Free Coupons If you take surveys of Toluna, you get a free coupon every time. You can also search for discount codes online when you have decided what to buy. A quick search can show you valid discount codes of up to 20% if you are lucky. Just open your box to enjoy your additional savings. It is worth considering for a rainy day!
  3. Click and collect Why not save the shipping fee of £ 2? Simply order your purchase at your local store and have them keep it until you can pick it up. This is particularly useful if you know you will not be home to accept a delivery. Greater flexibility Y You save!
  4. Bargain- If you have enough confidence, definitely bargain If you can find damage or general imperfections with your clothes. It works more than 50% of the time! Trust us, it usually works!
  5. Rio Island It is one of our exclusive retailers where you can choose to get Instant 1% cash curve. Then, you could make a Cash River in no time! If you are a Curve Blue card holder, you get this incredible offer for 90 days. But if you upgrade to our amazing Curve Black or Curve Metal Cards, In addition to getting lots of additional incredible benefits, you get Curve Cash for an unlimited period

Protect your purchases with credit card purchase insurance

You work hard for your money. Then, naturally, you work hard for your purchases.

And that is just enough reason to want to protect your purchases if something happens to them.

An easy way to make sure your investments are safe is to buy them through a credit card that offers purchase insurance.

If you didn’t know the purchase insurance, you could leave great value on the table.

We will review what is available and what credit cards offer what.

Purchase insurance

Of the 12 different types of credit card insurance, there are 5 that are exclusively for your purchases.

Extended warranty

Extended warranty credit card insurance is quite similar to the typical extended warranty that you can get at most retailers for your larger purchases.

It will extend the manufacturer’s warranty for a certain period of time, usually between 1 and 2 years if the original warranty still does not. Generally, they will not extend the warranty of a product that already has at least 2 years.

Almost all American Express, Bank of America and Citi credit cards offer this type of insurance for up to 2 years.

In this way, if you wish to extend your warranty, you can omit the optional protections that the retailer will charge and, instead, return that money to your pocket.

Purchase of protection

This coverage protects almost any purchase you make against accidental damage or loss in a short period of time after making the purchase on your card, usually 90 or 120 days.

Of course, there are limitations: it is better to read the insurance certificate of your credit card in advance to avoid unwanted surprises.

This type of insurance is offered by some, if not all, American Express, Bank of America and Chase credit cards for a maximum of 120 days.

Price protection

Price protection can be really useful coverage.

The insurance company will reimburse you for the difference in the price of an item you bought on your card if you see that same item advertised elsewhere at a lower price within a set period of time, depending on the credit card.

Usually, this can vary from 60 to 120 days.

For a maximum of 120 days, Barclays and USAA issue credit cards that offer this, with some select Bank of America and Capital One credit cards that also offer it.

Mobile device

Today, our cell phones have become an extension of our bodies, offering much, much more than a means to make phone calls.

They have become portable photo albums, high resolution cameras, address books, phone books, notebooks and more, all in one.

And with Google and the Internet available almost everywhere, these mini computers contain enough information so you never have to open a book again.

Then, of course, these small delicate pieces of machinery are not cheap, and all that is needed is a drop at the perfect angle or a * plop * in your glass of water and everything becomes almost insurmountable.

That’s where mobile device insurance comes in.

To take advantage of this coverage, all you have to do is charge the purchase of your device to your credit card. Or if it was included as part of a plan, you must charge the full monthly payment to your credit card.

If something happens to your cell phone, you know it will be covered.

However, it is important to keep in mind that coverage is generally prorated for a certain period of time, usually 2 years.

The amount of coverage offered is up to $ 600, which is provided by the Barclays and Wells Fargo credit cards.

Return protection

Return protection provides coverage if a retailer does not accept the return of a product within a certain period of days; Your credit card issuer provides you with a credit on your statement.

American Express, Barclays and Citi issue credit cards that offer this type of coverage.

Similar to purchase protection, there are limitations on what is covered. Check your insurance certificate to see what types of products are covered.

The best credit cards with purchase insurance.

Now that you know what is offered, let’s take a look at some of the best credit cards to buy insurance.

Barclays credit card purchase insurance

The only credit card issuer that offers the 5 types of purchase insurance is Barclays, especially:

American Express credit card purchase insurance

American Express, while excellent for rewards and benefits, offers a little less when it comes to buying insurance.

All your credit cards offer 2 years of extended warranty, 120 days of purchase protection and return protection.

Bank of America credit card purchase insurance

The best Bank of America credit cards to buy insurance are the and the .

the offers:

  • 2 years extended warranty,
  • 90 days of purchase protection, and
  • 120 days of price protection.

the , On the other hand, it offers:

  • 1 year extended warranty,
  • 90 days of purchase protection, and
  • Return protection

Protect your purchases

Free credit card insurance can be very useful, especially when it comes to expensive purchases, in case something happens.

Accidents always find a way to occur when it is less convenient, and it is always reassuring to know that your items can be protected.

Have you ever had to file an insurance claim through your credit card before?

What type of purchase insurance would be most useful?

Let us know in the comments below.