If you can’t pay your credit card bill this month, do not ignore the problem. The best thing you can do is look at your available money, prioritize your bills and contact your credit card issuer as soon as possible if you cannot make at least the minimum payment. A temporary financial problem does not necessarily mean…
If you want to cancel a credit card without unnecessarily hurting your credit score, the most important thing is to understand how closing the account can affect your overall credit profile. Canceling a credit card does not automatically damage your credit, but closing one can reduce your available credit and increase your credit utilization ratio. For some…
If you are wondering what to do if your credit card is lost or stolen, the most important thing is to act quickly. Contact your credit card issuer as soon as possible, lock or freeze the card if your issuer offers that option, and review your account for unauthorized transactions. The sooner you report the problem,…
If you travel internationally, the best credit cards with no foreign transaction fees can help you avoid an unnecessary charge every time you use your card outside the United States. Even a small fee can add up quickly during a vacation, study-abroad program or extended international trip. Many credit cards charge a foreign transaction fee of around…
Finding the best credit cards for earning airline miles and points is not just about choosing the card with the biggest welcome bonus. The best option depends on how you travel, where you spend money and how much flexibility you want when redeeming your rewards. Some cards earn transferable points that can be moved to different airline…
Last updated: July 2026 | By the CardSmartly Editorial Team The best travel credit cards with built-in travel insurance can help protect eligible trips against some of the most expensive problems travelers can face, including trip cancellations, interruptions, delays, lost baggage and rental-car damage. But not all credit card travel insurance is the same. Some cards offer…
Finding the best credit cards for 18-year-olds can be challenging because most people at this age have little or no credit history. Turning 18 makes it possible to begin applying for credit in your own name, but approval is not guaranteed. Many 18-year-olds are still students, have limited income or have never used a credit account before….
Finding the best credit cards for students with no income can be difficult, especially if you are applying for your first credit card. However, having no traditional job does not necessarily mean you have no options. For many college students, “no income” can mean no salary from a full-time job. You may still have money available from…
Finding the best credit cards for self-employed workers can be more complicated than choosing a regular personal credit card. Freelancers, independent contractors, sole proprietors and small business owners often have different spending patterns and financial needs. A self-employed worker might spend heavily on online advertising, software subscriptions, office supplies, gas, travel or business services. The right credit…