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Pros and Cons of 0% Interest Balance Transfer Credit Cards

Last updated on February 24, 2021 by Incomist Staff

sWoman credit card

Transferring your debt to 0% interest balance transfer credit cards seems like a no-brainer right?

You pay no interest for a promotional period of time so 100% of your payment will go to the principal.

Sounds like a win to me.  And quite often it is a win.

But not always.

When you know all the pros and cons, you can accurately determine if transferring your debt to a balance transfer card makes sense for you.

With that in mind, I’ve put together this complete list of pros and cons to help you decide if you should transfer your balance. [Read more…]

8 Ways To Get Your Official FICO Score for Free [32 Sources]

Last updated on December 15, 2020 by Incomist Staff Leave a Comment

Get free FICO score

How to Get Your Free FICO Score

Do you want access to the same FICO credit score information lenders, landlords and even employers use to evaluate you?  Good news, now you can get that information for free.

That’s right, FICO credit scores are now available for free.  You just have to know where to look  (Hint, look here!). [Read more…]

7 Smart Ways to Get Rid of Holiday Debt Fast

Last updated on December 15, 2020 by Incomist Staff

holiday debt

Many people overspend on their loved ones during the holidays, even going into “holiday debt” to do so.

If that sounds like you, don’t worry – you’re not alone.

In fact, a recent survey found Americans racked up an average of $1,054 in debt this past holiday season.

We want to help, so here are seven detailed tips to eliminate your holiday debt fast. [Read more…]

Busted! 11 Common Myths About Balance Transfer Credit Cards

Last updated on December 15, 2020 by Incomist Staff

Balance transfer credit card myths

If you are confused about balance transfer credit cards it’s likely because you’ve heard some of the myths about them.

Believe me, I get it.  I’ve been there.

There are so many myths about balance transfer credit cards, it can be hard to distinguish the truth from the fantasy.

Well, good news.

Today we’re covering all the myths of balance transfer credit cards and breaking them down one-by-one. Keep reading to discover the truth so that you can make better financial decisions. [Read more…]

Pay Off Credit Card Debt Faster With Bi-Weekly Payments (Saves $1000s)

Last updated on December 15, 2020 by Incomist Staff

Bi-weekly payments credit card strategy

One of the biggest frustrations that come with paying down your credit cards, is that a large amount of your money goes towards the interest on the account.

With so much money tied up in interest, it’s very difficult to make headway and ultimately pay off your cards.

And if you aren’t able to pay more than the minimum payment, paying off your debt is next to impossible.

Enter bi-weekly credit card payments.

By using a bi-weekly payment strategy, you can direct more money towards the principal debt, and [Read more…]

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