The TomoCredit Blog

Holiday purchases can lower your credit score even when you pay on time. Learn how credit utilization and reporting dates affect your score and how to manage them.

Bad credit doesn't mean you have to give up on getting a credit card. Learn which card types may fit your profile and how to improve your approval chances.

A Fed rate increase doesn't require an economics degree to understand. Here's a practical framework for checking your card's APR and taking control of your debt.

ChatGPT gave surprisingly solid advice on how to build credit — but the more I read its answer, the more I realized it was giving information, not guidance.

When you search "credit cards for bad credit," you'll find a lot of options — some helpful, some expensive traps. Here's how to spot the red flags and choose a card that actually helps.

Building credit at 18 is one of the most empowering financial decisions you can make. Here's how to start, from student credit cards to becoming an authorized user.

As of Q3 2024, Americans are carrying a staggering $1.16 trillion in credit card debt—a new all-time high. Here's how to protect your finances without needing a finance degree.

The average American household carries over $8,000 in credit card debt. A large portion of it is tied to a lack of financial literacy and poor spending habits—here's how to break the cycle.

For many consumers, budgeting during the holidays can be challenging, especially with rising inflation. Buy Now, Pay Later provides a flexible and budget-friendly way to spread out costs.

With the holiday shopping season upon us, it's essential to get prepared so you can enjoy the festivities without experiencing a post-holiday financial headache.

Credit card delinquencies can create a ripple effect on your financial health. Here's what happens as delinquencies rise, and practical solutions to get back on track.

Millions of people every day are sent phishing emails or scam alerts, making online shopping one of the most prevalent places for your financial information to be compromised.