Understanding Credit: What It Is and Why It Matters Credit refers to the ability to borrow money from a financial institution with the promise to repay it in the future. It is an essential part of your financial life, as it allows you to make large purchases like a car, house, or even financing education. … Read more
Budgeting is a powerful way to regain control of your finances, especially for beginners. With the best budgeting apps, you can easily track your spending, categorize your expenses, and plan ahead for your financial goals. Below, we dive into the best apps that are easy to use and perfect for budgeting newcomers. 1. YNAB (You … Read more
College students in the US must report their income on a variety of documents, from their tax returns or next year’s financial aid applications to those they use to rent an apartment or apply for a credit card. Whether or not to include your student loan, which is financial aid for your education, as income … Read more
Getting the money you need to build homes in the United States, such as your garage or your house, can be complicated. It depends on how much your home is worth, your income level, and your credit score, in addition to other factors. Although there is no loan to build specifically for a garage as … Read more
What is MM/YY The abbreviation MM / YY corresponds to the expiration date of the credit or debit card with which you are going to make the payment of your order; You will find it on the front of the card after the inscription “Valid until”. The term ” MM ” means the two-digit representation … Read more
Metro PCS Pay Bill Online An important aspect when we buy a mobile phone is to choose a service provider that offers the quality of service. This expectation is evidenced by inadequate plans and the enjoyment of the best benefits at a lower price. Therefore, if you are temporarily or permanently resident in the United … Read more
Bank of America Corporation is one of the largest banking and financial services corporations in the United States. It has more than 66 million customers and has branches throughout the United States. If you need to know the Bank of America hours, continue reading, later you will find all the information you need. It’s hard … Read more
The venal value of a product is the estimate for the price of a good at a given time and taking into account its valuation in the second-hand market. In practice, it is generally understood that the venal value is identified with the value attainable in the market for a good sold in the second-hand … Read more
The best way to achieve some savings for Thanksgiving dinner is to shop ahead for groceries or, if you choose, to go out to a restaurant. Once a year, Americans have time to reflect, to be thankful for what they have lived, to remember, to long for those who are not here, to spend time … Read more
Sending money from the United States to Mexico to be claimed by Elektra is possible through money providers that have an agreement with Elektra, such as: MoneyGram, Western Union, Remitly, Xoom and World Remit. We recommend using Remitly as a provider for your Elektra money transfers because it has better fees, an easy-to-use platform, and … Read more
Home ownership is an American dream. But some people do not have the opportunity to achieve this goal. Many people cannot qualify for a home loan because they have bad credit, no credit history, or little cash. However, there are ways to get a no down payment mortgage with less than perfect credit. The key … Read more
The issuance of false checks is a modality that is becoming more common these days. The individuals or organizations that carry out this type of act are improving their methodologies and the quality of the checks they circulate. However, you can spot counterfeits if you pay careful attention when receiving a non-cash payment. You need … Read more
Many people often make transfers between different banks, one of the most common questions is How to Transfer Money from Wells Fargo to Bank of America. And it is that, many people in the United States usually have these banks, because they are usually the ones that give the best advantages. In our article on … Read more
At some point you may have wondered How to Transfer Money from a Credit Card to a Debit Card, since it is usually an alternative, when money is needed on said card, for any inconvenience or need that arises. That is why, in our article on How to Transfer Money from a Credit Card to … Read more
A general doubt of many people is that of How to Transfer Money from one Credit Card to Another, since many people prefer to use credit cards than other types of cards, for all the advantages that these types of cards have with all their clients. That is why, in our article on How to … Read more
There are times when people need money for an emergency, which is why a common question is How to Transfer Money from a Credit Card to a Bank Account, since having a limit on the credit card can be used for any problem. or circumstance. For this, in our article on How to Transfer Money … Read more
It is essential to know how much money you have on your debit card and how much of the total balance is available to spend. In addition, checking your debit card balance frequently helps you maintain good management of your finances, as well as detect potential problems (such as fraud or errors) before they get … Read more
Metro PCS Payments can be easily made online, by phone, through the mail, or at authorized payment centers. It is important to note that depending on the payment method chosen, you may or may not be charged a “convenience fee” to process the payment. In this article we will show 9 options to make MetroPCS … Read more
For whatever reason, you may need to contact Wells Fargo Bank and are concerned that you don’t speak English. However, there is no reason to worry, you can access all Wells Fargo services in Spanish. Here we will show you all the options you have to communicate with a Wells Fargo customer service representative in … Read more
Where to get money orders as one of the safest methods to send money. Money Orders or money orders have a long history in the United States, exactly since 1863 and were made by the postal service, at the time it was a safe way to send cash according to the history reviewed by the … Read more
Although the computer age and technological advances have increased the response speed of certain processes, paradoxically, some commercial transactions, especially banking, seem to be carried out manually because they are carried out in an excessively long waiting time. In this sense, it is almost normal for banking institutions to inform you that the money traded … Read more
As long as a promissory note is valid, the borrower is responsible for repaying the loan as agreed. However, there are certain provisions that can cause the promissory note to void and prevent it. It is important as a lender to follow the necessary policies and procedures to ensure that the promissory note is, in … Read more
Right now we will tell you what a commercial reference is for in a credit application, credit applications for companies are very similar to those for individuals. The potential lender wants to make sure the business is financially healthy enough to pay off its debts. When filling out a credit application, a company may be … Read more
Imagine that you are making a payment in a store with your debit card and the seller informs you that it has been denied. Quickly, you make a mental sum to make sure you have sufficient funds and, in the meantime, you pay with your credit card to avoid delays at the checkout. At the … Read more
CVV2/CVC2/CID is a security feature for transactions where your credit card is not physically present. It is a three or four digit value which provides our payment system with a check of your credit card’s authenticity. The terms are generally used interchangeably. CVV2 stands for “Card Verification Value 2”, CVC2 stands for “Card Validation Code … Read more
The term “payable on demand” is typically associated with promissory notes. This term means that a debt must be paid by the person who owes it, to the person to whom it is owed, when requested. Obligations payable on demand can be used with any type of debt that does not have a defined due … Read more
Debit cards are one of the most popular payment methods worldwide. Thanks to them, you can buy in physical stores or online and pay for services, such as electricity, gas or Internet without having to carry cash. Without a doubt, it is a comfortable and safe way to pay. The only difference with cash is … Read more
American Express is an American company belonging to the financial sector founded in 1850, with headquarters in New York City. It has a presence in 130 countries around the world, where it has some 1,700 direct customer service points. American Express or AMEX, in a famous company with worldwide recognition. The Fortune magazine since 2012 repeatedly been ranked among the hundred largest companies … Read more
A cashier’s check, or money order, offers a secure way to transfer funds. It works like a normal check, but offers an additional guarantee that the money will be cashed. If you have an operation that requires a large amount of money, it is safer to ask the bank for a cashier’s check instead of … Read more
Every time you move to a new address, make sure you change your billing address with your credit card issuer. Why? Two reasons. An accurate credit card billing address helps ensure that important card-related mail, such as your monthly credit card statement, is sent to the right place. Keeping your billing address updated also helps … Read more