My granddaughter just got a secured credit card with a $200 limit. She wants to finance a new car for $19,000 in a year or earlier. What does she have to do to obtain this? – Harry
Dear Harry,
You are kind to ask on your granddaughter’s behalf. The short answer is yes, she can get a car loan of that size, but only after she builds a reputation of being a responsible borrower. That takes time and effort. She also must prove to a lender that she can afford the monthly payments, which means she needs an income that is enough to cover all her expenses as well as a hefty car payment.
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Here is the strategy for your granddaughter. As a (presumably) young adult, she needs to take control over her own financial life, starting today.
1. Charge in small, steady increments
It’s great that your granddaughter has a secured credit card because I would have recommended it! Now what she needs to do is use the card in a very specific way.
Credit reports need to list a steady stream of positive activity, so on a monthly basis, she needs to keep her credit utilization ratio as low as possible. For a credit line of $200, I’d recommend she spend a maximum of $60. That will prevent her score from getting dinged for using too much of her credit line.
A credit score can be calculated at any point of a billing cycle. If you owe too much, even if you plan on paying it off completely, points will be shaved off your scores. (FICO and VantageScore are the two most common scoring companies, and their scores range from 300 to 850.)
2. Pay on time
No matter what, get payments in by or before the due date.
The credit card issuer will then send that information to the credit reporting agencies, and it will be factored into her scores favorably. Consecutive on-time payments will result in a higher credit score, so as each month passes without a break in that payment history, her scores are sure to increase.
3. Delete the debt every month
With a credit card, you do have the option to pay partially – but don’t. Instead, your granddaughter should send the credit card issuer every penny of the balance.
Remember, she’s proving to a future car lender (as well as any other creditor, such as a landlord or business) that she’s financially smart and stable. By never carrying over a balance, she’s showing exactly that.
4. Keep a sharp eye on all credit activity and progress
Your granddaughter should check her online credit card statement at least weekly. Her credit card statement will indicate where she charged and how much she currently owes, and checking her statement gives her the opportunity to scale back charging if she’s close to the 30% credit utilization mark.
After using the secured card for about six months, your granddaughter can pull her credit reports from AnnualCreditReport.com. There are three credit reporting agencies (TransUnion, Equifax and Experian) and she’s entitled by law to get all three reports from those bureaus for free once per year. The bureaus are also offering free credit reports every week through April 2022 due to the COVID-19 pandemic.
She should read her credit reports to make sure they’re correct, and if she sees anything wrong, she should dispute it. She does not want to be turned down for her dream car over a mistake on her credit report.
5. Get a second credit card
After a year of following this credit-building plan, her scores should be on an upward trajectory. To really hike the numbers, though, your granddaughter should consider applying for an unsecured credit card and using it in the same fashion.
Your granddaughter should seek a credit card that fits her credit rating, so she won’t get denied. Applying for a credit card or loan will result in a hard inquiry on her credit reports, which will lower her credit score a bit temporarily, so she should only seek credit when she needs it. When your granddaughter has two credit accounts, she should use both as she has been using the one.
Eventually, your granddaughter’s credit scores should be in the mid-700s, and at that point, most lenders will consider her to be an appealing borrower. As long as her income is sufficient and secure, she is free to go vehicle shopping.
Just be aware that it’s also easy to bite off more car loan than you can handle financially. To reduce the amount borrowed as well as the monthly payments, make a large down payment. If she hasn’t yet started saving for that, she should do it now.
As your granddaughter’s credit stands now, she most likely won’t qualify for the best car loan rates if she can qualify for a loan at all. I would encourage her to follow the steps outlined above that will help her get the car she wants but know that it will take some time and patience to build a decent credit profile for her to qualify for a substantial car loan.
See related: Buying a car with no credit: 6 things to know
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The gig economy has led to an explosion of entrepreneurs looking to start their own businesses. In fact, QuickBooks’ 2020 State of the Self-Employed report found 28.4% of U.S. adults identified as self-employed at one point or another during 2019.
One incredibly important aspect of running your own business is security and fraud prevention. Yet, unfortunately, many small business owners underestimate the risk of bad actors and thieves targeting their establishments – whether it be cyberattacks (43% of all data breaches include small businesses, according to a recent Verizon study), cash theft, shoplifting or credit card fraud (an estimated 27% of online sales with merchants were found to be fraudulent transactions in a 2019 American Express survey).
While large businesses typically have hefty budgets to spend on fraud prevention, as a self-employed person or the owner of a small mom-and-pop shop, you may not have a lot of resources at your disposal – especially at the tail end of a global pandemic. However, there are some steps you can take to protect your business from credit card fraud no matter its size and lower the risk of fraud overall.
Protect your point-of-sale (POS) system
“When it comes to point-of-sale fraud, what businesses are most likely to run across is card skimming,” said Jason Glassberg, cybersecurity expert and co-founder of Redmond, Washington-based Casaba Security, in a previous interview.
This could be physical, such as when a chip is inserted into the POS device by a local criminal, or it could be digital, where the POS system is infected with card number-stealing malware. There is also the ever-present threat of card skimmers and shimmers, which are devices that can capture card data from EMV chip cards.
To combat this threat, provide as much physical security to your POS system as possible, Glassberg said.
“That means locking up POS devices during closed hours so they can’t be accessed by anyone except a manager,” he said.
Also, inspect POS devices at least a couple of times a week, “looking for anything out of the ordinary such as loose housing, exposed wire, bulky fitting or anything that seems out of place on the device,” Glassberg noted.
Finally, stay up to date on any software updates to your POS system.
See related: How small businesses can safely store card details
Card-not-present (CNP) fraud occurs when someone fraudulently uses a credit card number online, over the phone or in another manner where they don’t have to show you the physical card. In fact, a study out of Javelin Strategy found that CNP fraud is 81% more likely to occur compared to POS fraud. Further, retailers could lose as much as $130 billion from CNP fraud by 2023.
One of the best things you can do as a business owner to prevent CNP fraud is to require the consumer to have the card verification value (CVV) number for their card, whether the order is placed over the phone or online, said Glassberg. This three or four-digit number can typically be found on the back of the card.
“You can also ask for the ZIP code associated with the card to weed out many of these fraudulent attempts,” Glassberg said.
Also, be on the lookout for potential “friendly fraud,” or credit card chargebacks initiated by customers looking to reverse a charge on their account for fraudulent purposes, in turn hurting the business they purchased from. In genuine circumstances, a customer can dispute a purchase if their bill was incorrect, the item is damaged, etc. For more information on what to do in these situations, consider reading the following expert business credit column on false disputes.
See related: Can a collector target my business bank account over personal credit card debt?
Get third-party help
According to Keeper Security’s 2019 SMB Cyberthreat Study, 60% of small business owners said they “do not have a cyberattack prevention plan” and 25% “don’t even know where to start with cybersecurity.”
Even if you don’t have money to hire a cybersecurity staff, you don’t have to shoulder all the risk alone. There are companies, such as NoFraud and Signifyd, that specialize in fraud detection to help online merchants identify a possible risk before the sale goes through.
Dave Hermansen, CEO of e-commerce training company Store Coach, depends on such services to give incoming orders a “pass” or “fail” grade based on advanced algorithms, order histories tied to email addresses and other fraud detection methods.
“If an order gets a ‘pass,’ any loss you incur due to fraud is covered by [the fraud detection service],” said Hermansen in a previous interview. “If it is labeled, ‘fail,’ it’s up to you whether or not you want to ship the order – you will not be covered for fraud on those orders.”
Hermansen said his firm immediately cancels and refunds any orders that are marked “fail.”
See related: Retailers will lose billions to online fraud by 2023: Could a new Amex tool help?
Prevent fraud through training
If you have employees, their habits can put your business at risk (especially as many employees have transitioned to a work-from-home environment sans an in-office security team, guaranteed VPN or in-person “phishing 101” lectures). Make sure employees are aware of threats and train them on what to do and what not to do, said Yair Levy, professor of information systems and cybersecurity at Nova Southeastern University, in a previous interview.
How to dispute fraudulent charges on a corporate credit card
Make the move to mobile
As consumers increasingly use their smartphones to shop, there’s a security benefit to small business owners choosing to upgrade their equipment to accept mobile payments.
If you can accept payments from mobile wallets like Samsung Pay, Apple Pay and Google Pay, there is no credit card to be inserted into the payment terminal, which can cut down your risk of fraud, Glassberg said.
Consider cyber insurance – and a vulnerability test
As fraudsters and scammers are constantly changing their tactics and evolving, no business is 100% safe. A cyber insurance policy could save your small business from potential bankruptcy, considering it would pay for legal fees, customer notifications and other costs incurred if you do experience a data breach.
“As an added measure, if you have the means to do so, I would also highly recommend hiring a cybersecurity firm to carry out a ‘penetration test’ of your business network and POS system to see how vulnerable you really are to an attack,” Glassberg said.
An ounce of prevention could not only protect your customers, but it could save your business as well.
See related: Is your small business protected by cyber insurance? It should be
The bottom line
With the tips provided above, you can take the steps to protect your small business from fraud of all kinds, including credit card fraud, and ensure your information (and that of your patrons) is protected.
Should you ever experience other security threats related to your business (think: if your business credit card is stolen) be sure to contact your credit card issuer immediately, place a hold on the card and file a dispute if necessary; you should be able to easily contact your issuer using the number of the back of the physical credit card.
You’ve been running a credit card balance for a few months, but finally, you have enough cash on hand to zero out the statement balance.
With great relief – and not a little pride – you pay it off. Thank goodness you’re done with that debt.
But wait: did you also pay the residual interest?
What is residual interest?
Residual interest is the interest that’s accrued on the unpaid credit card balance all this time that you’ve not been paying it. It’s also called trailing interest – because it trails into the next month.
The federal Consumer Financial Protection Bureau investigated residual interest charges on credit cards in 2015 as part of its biennial credit card report to Congress.
“We recognized, based on our research, that there is some confusion about this so-called ‘ghost charge,’ said Wei Zhang, the bureau’s credit card program manager. “People wanted to know, ‘What is this? Why is it happening?’”
The bureau did not find issuers doing anything illegal; however, they did discover that many details were buried in the fine print of credit card agreements. Card owners often were unaware of or did not fully understand what happened if they failed to pay their bill in full or how interest on the balance was calculated.
Before we get into those details any further, though, let’s start by explaining some terms:
Billing cycle – That’s the time between two bills. Many billing cycles are about a month long.
Closing date – That’s the date on which the billing cycle ends. When the closing date occurs, the card will post a statement balance. That’s the amount of purchases you charged during this billing cycle.
Grace period – This is the period of time between when the billing cycle closes and your payment is due. This can be a few weeks, or even up to a month.
Due date – This is the last possible day to make your payment without penalty. After this day, interest will start to accrue on the balance.
That interest that accrues? That’s residual interest.
See related: How to lower your credit card interest rate
How does residual interest work?
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Here’s an example of how residual interest comes into play:
You have a credit card with a billing cycle that closes on the 15th of every month. On March 15, your statement balance is $1,200.
Your due date on the bill is April 14th. But when the date arrives, you can only afford to pay $900 – meaning you leave a balance of $300 on the credit card.
That $300 starts accruing interest the very next day. How much interest? Depends on your particular credit card. Let’s say, for this example, your card charges an APR of 22%.
To figure out how much that will be, divide the APR by the number of days in the year. So 22 divided by 365 – 0.0602%.
Multiply this by your current $300 balance, and you get 18.06 cents. That’s the amount of residual interest you will get charged on the balance each day.
By the time the next month’s due date rolls around, 30 days later, you will owe $5.41 in residual interest.
This is where things get tricky. Maybe you decided to clean up your financial act. You’ve only charged $200 this month, and now you can afford to pay off both the new balance and the $300 from last month. Everything’s squared away, right? Nope, not so fast. You still owe that $5.41. And if you don’t notice it and neglect to pay it, it will continue to accrue interest.
Or, you do pay the entire bill by sending a check in the mail. Interest may continue to accrue on the balance between the time you mail the check and the time the bank receives it and cashes it. Remember, once you enter the land of accruing interest, there is no more grace period.
“Because it accrues after the billing period closes, [residual interest] won’t appear on your current statement – meaning that this could be a surprise amount you discover in your next statement,” said Megumi Smisson, who discusses personal finance on her podcast Ms. Money Moves and her website, Money With Megumi. “Or, worst case, you think you’ve paid off your card, don’t check your next statement to make a payment, and incur a late fee and potentially damage your credit.”
See related: What happens when you miss a credit card payment?
Do all cards charge residual interest?
Residual interest is a common credit card feature. Supposedly, there are banks that don’t charge it, though those are increasingly hard to find.
“I’m not saying it’s impossible, but … [scoring a credit card that doesn’t charge residual interest] is kind of like finding the pot of gold at the end of the rainbow with a unicorn standing next to it,” said Bruce McClary, spokesman for the National Foundation for Credit Counseling in Washington, D.C.
There are many credit cards that offer 0% APR on new and transferred balances for a number of months. To find out how your card deals with leftover balances, look at the back of the statement. It probably won’t say “residual interest” in those words.
Scan instead for writing like “finance charges may be assessed even if we receive payment in full in the current billing cycle.” Other ways to get this information, and discover what the APR is for your card, are to look at your card’s terms and conditions, go to the card issuer’s website or call the issuer.
How to avoid residual interest
There’s no reason you should have to pay months’ worth of residual interest on your credit card for a balance that’s quickly resolved. Here’s how to make sure this isn’t a problem for you.
Pay your card in full each month. “The No. 1 rule, the best advice for avoiding residual interest altogether, is to pay off your purchases immediately,” McClary said.
First timer? See if you can get a break. There’s no harm in calling your credit card issuer and asking if you can get an extension on your payment deadline, so you can avoid late fees, finance charges and any residual interest on this one cycle. “You never know what you’ll get until you ask,” McClary said.
If that’s not possible, check your balance and pay it online. The credit card issuer should post real-time information about your leftover balance and any accruing interest.
Get confirmation from the card issuer. This is particularly important if you are paying your balance by mail, either from a paper statement or from what you see online. Interest on the balance continues to accrue until the moment the bank cashes your check. If the check is insufficient because it doesn’t include those extra few days of interest, interest will accrue on the unpaid balance. Instead, before you write the check, pick up the phone and ask the credit card issuer for the payoff balance. “That is the best, the most foolproof way to accurately know the balance that would pay off the account,” McClary said. He advises overestimating the day the payment will arrive by a day or two; the company will repay you any overpayment but will charge more interest if you fall short again.
See related: Should I pay off my credit card all at once?
Bottom line
Remember, if you’ve let a balance carry from one statement to the next, you don’t just have to pay off the balance on your statement. You may also owe residual interest that is not included in your current statement. Check your total online. Call the card issuer to double-check. You can also check your credit card agreement to find out about residual interest or minimum finance charges.
And after you’ve paid what you believe you owe, check again, to be sure.
“Don’t just anticipate ‘I’m off the hook’ next month,” Zhang said. “In many cases, you are probably not off the hook. Make sure there are not any residual balances next month.”
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The COVID-19 pandemic has put millions of travel plans on hold for many months. As a result, travel credit card issuers have had to adjust their products to make sure they still offer plenty of value to cardholders, even while the opportunities to earn or spend travel rewards are limited.
To make its co-branded travel credit cards valuable to customers even during the pandemic, American Express is launching new limited-time offers for eligible Delta SkyMiles, Hilton Honors and Marriott Bonvoy cardmembers. With these offers, cardholders can earn up to $220 in statement credits for non-travel spending, including dining for customers with consumer credit cards and wireless telephone services for business credit cardholders.
âWe want to support how our customers are living their lives and running their businesses today, which is why we focused our statement credits on restaurants and wireless,â said Eva Reda, executive vice president and general manager of Global Consumer Lending & Cobrand at American Express. âWe are also giving our Delta Card Members more ways to build up their bank of miles and earn higher status now for when they feel they are ready to travel again.â
Earn up to $220 in statement credits for dining
If you had a consumer Delta SkyMiles, Hilton Honors and Marriott Bonvoy credit card as of Jan. 1, 2021, you can enroll via Amex Offers to earn statement credits for dining out or take out. (Note, Amex Offers are targeted, so you might not see every promotion listed below.)
Here are the offers available to eligible Delta SkyMiles cardmembers:
Up to $110 in dining statement credits: Delta SkyMiles® Gold American Express Card members can receive $10 back per month (up to 11 times).
Up to $165 in dining statement credits: Delta SkyMiles® Platinum American Express cardholders can receive $15 back per month (up to 11 times).
Up to $220 in dining statement credits: Delta SkyMiles® Reserve American Express Card members can receive $20 back per month (up to 11 times).
Those with Hilton Honors American Express cards can also get up to $220 in statement credits:
Up to $55 in dining statement credits: Hilton Honors American Express Card members can receive $5 back per month (up to 11 times).
Up to $110 in dining statement credits: Hilton Honors American Express Surpass® cardholders can receive $10 back per month (up to 11 times).
Up to $220 in dining statement credits: Hilton Honors American Express Aspire Card members can receive $20 back per month (up to 11 times).
Eligible Marriott Bonvoy cardmembers can take advantage of the following Amex Offers:
Up to $110 in dining statement credits: Marriott Bonvoy American Express Card members can receive $10 back per month (up to 11 times).
Up to $220 in dining statement credits: Marriott Bonvoy Brilliantâ¢Â American Express cardholders can receive $20 back per month (up to 11 times).
Earn up to $220 in statement credits on wireless telephone services
If you carry an eligible co-branded business card from Amex, you can also enroll to earn up to $220 in statement credits through Dec. 31, 2021.
These offers are available for Delta SkyMiles cardholders:
Up to $110 in statement credits for U.S. wireless telephone services: Delta SkyMiles® Gold Business American Express Card members can earn up to $10 back per month (up to 11 times).
Up to $165 in statement credits for U.S. wireless telephone services: Delta SkyMiles® Platinum Business American Express cardholders can earn up to $15 back per month (up to 11 times).
Up to $220 in statement credits for U.S. wireless telephone services: Delta SkyMiles® Reserve Business American Express Card members can earn up to $20 back per month (up to 11 times).
With the âScore More on Wirelessâ offer, Hilton Honors American Express Business cardholders can receive up to $110 in statement credits for U.S. wireless telephone services â up to $10 back per month (up to 11 times).
Marriott Bonvoy Business⢠American Express® Card members can earn up to $165 per month in statement credits for U.S. wireless telephone services â up to $15 back per month (up to 11 times).
More offers to earn extra points or miles
Besides earning statement credits, eligible cardholders now have more opportunities to get rewards on purchases. For example, Delta SkyMiles cardmembers can earn up to 3 additional miles per dollar on eligible Delta purchases through Dec. 31, 2021 â thatâs up to 5 miles per dollar in total.
For more offers, check our guide to limited-time credit card offers and promotions during COVID or log in to your Amex account to see Amex Offers available to you.
In an economic emergency, covering even basic yet important expenses can be tough. For example, in 2020, the coronavirus pandemic rocked the foundations of millions of Americans. The National Multifamily Housing Council found that by Jan. 20, 11.4% of tenants had not sent money for their rent.
The last thing you want is to be evicted from your home because of nonpayment of rent. When used correctly, a credit card can help you through hard situations. Since the card issuer only requires a small minimum payment, it can buy you time before getting back on your feet.
Here’s how to charge rent, not just during a financial crisis but under normal conditions as well, advantageously.
See related: How to earn rewards when paying monthly bills
How to pay rent with a credit card
How to pay through your landlord
How to pay through third-party services
Best credit cards to pay rent
Pros of paying rent with a credit card
Cons of paying rent with a credit card
How to pay through your landlord
First, ask your landlord if you can charge your rent. Some have software already set up to accept payments, so all you would need to do is provide your account information and your card will be charged. Larger property management companies are more apt to accept credit cards than individual landlords, but it’s worth an inquiry.
Bear in mind that there will be a processing fee, which typically falls between 2.5% and 2.99% of the transaction. The landlord will probably pass that cost to you, though it doesn’t hurt to ask if they’ll absorb the fee.
For example, if your rent is $1,800 and the fee is assessed at 2.99% of the transaction, the added cost would be $53.82. If the minimum credit card payment is 2% of the balance, your payment would be $36. Add the fee to it and all you’d need pay is $89.82 – a far cry from the $1,800 due.
If your landlord doesn’t offer this option, consider explaining your reason for wanting to charge the amount. If it’s not a permanent change to the rental agreement (which spells out the method and timing of your payments), your landlord may allow you to send the money via an app such as PayPal or Venmo on a temporary basis.
You would set up the app, attach your credit card to the account, and then follow through with the “pay-to” transaction:
Locate your landlord’s profile name.
Hit the “pay” function.
The money is deducted from your credit card and sent to your landlord’s bank account on file.
You receive the bill of the transaction amount plus the fee from your credit card company.
Yet another way to use your credit card to cover your rent is to take out a cash advance. It comes with some serious consequences that make this method your last choice, though:
Fees can be 5% of the amount you withdraw.
Interest rates are often higher on cash advances than they are on purchases.
There is no interest-free grace period, as there is for purchases.
How to manage your credit cards during the coronavirus outbreak
Coronavirus: What to do if you’re unemployed and have credit card debt
How to pay through third-party services
An alternative to paying your landlord directly is to use a company that acts as an intermediary. The general process is simple:
Sign up with the company.
Identify your landlord.
Enter your rent amount and due date.
The company charges your card and sends your landlord the money in the form of a paper check or electronic transfer.
You receive a bill from your credit card company and can send any amount that is at least the minimum payment.
You should have no trouble paying any landlord this way if the third party sends your rent with a paper check. It’s the same as if it were coming straight from your own checkbook.
However, if the company sends payments electronically, your landlord would need to register for an account so the money can be deposited.
But charging rent with a third-party company is becoming popular.
“We’ve seen a 50% increase in the number of Plastiq customers that are paying for rent with their credit card [in 2019] compared to 2018,” says Eliot Buchanan, co-founder and CEO of the consumer-to-business bill-paying company.
“However, there are card processing fees involved, so rent payers should compare the costs and benefits of paying rent on a credit card to determine whether it makes sense to do in their particular situation.”
Accepting credit cards for rent payments is a win-win, says Brian Davis, director of education for SparkRental.
“Landlords and property managers who accept rent by credit card offer more flexibility for their renters, with an option to stay current on their rent even if their bank account is short on the first on the month,” says Davis.
Review a variety of third-party companies before deciding on one, paying close attention to the fee structure and whatever unique benefits they may have.
Third-party service
Transaction fee
Benefits/Perks
Plastiq
2.85%
Up to 2% cash back on transactions, depending on your card.
RentMoola
2.99% – 3.99%
Earn “MoolaPerks” for deals on travel, shopping, home service providers, etc.
SparkRental
2.99% – 3.99%
Designed for landlords with a more challenging tenant base.
RentPayment
2.95%
Can pay via app, by replying to a text or by phone.
RadPad
2.99%
For landlords who prefer paper checks.
Cozy
2.75%
Can add low-cost renter’s insurance to the payment.
Best credit cards to pay rent
Some rewards cards offer generous introductory bonuses. You can open an account for the specific purpose of using that bonus to offset the fees involved in charging your rent.
To get the bonus, you have to meet the card’s required minimum spend within the first three months of opening the card. When you do, the reward is yours.
If you get cash back, you can use the money as a statement credit. For cards that give points or miles, you can trade them in for cash too, but you won’t get as much for them as you would for things like travel.
Whatever the case, the introductory bonus will nullify the amount you’re charged in fees when use your card for rent. After that, you’ll be earning rewards on purchases, which will also offset the fees, should you continue to charge your rent.
Just a few examples include:
Rewards credit card
Minimum spend
Introductory bonus
Wells Fargo Propel American Express® card
$1,000 in first 3 months
20,000 points ($200 cash value)
Blue Cash Preferred® Card from American Express
$1,000 in first 3 months
$250 statement credit
Citi Rewards+® Card
$1,000 in first 3 months
15,000 ThankYou points (redeemable for $150 in gift cards at ThankYou.com)
Chase Sapphire Preferred Card
$4,000 in first 3 months
60,000 points (redeemable for $750 toward travel when you go through Chase Ultimate Rewards)
See related: Best rewards credit cards
Another option is to open a credit card that comes with 0% APR for an extended period of time.
You won’t be charged interest on the debt you carry over until the rate rises to the regular rate. Therefore, if you charge your rent and can only afford to pay the minimum, the debt won’t escalate with financing fees.
A few good examples include:
0% APR credit card
Intro APR purchase period
ABOC Platinum Rewards Mastercard
12 months (12.90-22.90% variable thereafter)
Citi® Diamond Preferred® Card
18 months (14.74-24.74% variable thereafter)
Discover it® Cash Back
14 months (11.99-22.99% variable thereafter)
See related: Best 0% APR credit cards
Pros of paying rent with a credit card
Aside from helping you through an emergency, charging rent has a few other benefits:
Build and improve credit history
Charging regularly, paying on time and keeping the balance at zero are the swiftest ways to establish a positive credit rating. Rent is a necessary expense, so why not parlay it into a high credit score?
Arthur Ruth, vice president of operations of Memphis Maids, a house cleaning service in Memphis, Tennessee, has been paying rent with his credit card for over 15 years.
“Using your cards so much, if you pay them correctly, you can save money and even improve your credit score,” says Ruth. “That’s something really important in this day and age.”
Cash flow freedom
When Ni’Kesia Pannell, an Atlanta-based journalist and entrepreneur, was temporarily short on cash, she took advantage of the credit card option.
“I was in between freelance gigs and needed to pay bills,” says Pannell. “The fees were high, but at the time, it was worth it.”
Once her financial situation returned to normal, she resumed paying by check.
In the same vein, if your rent is due on the first of the month but your income is sporadic, you may need some extra time to accumulate it all without any stress.
CreditCards.com, but you can still find a great card offer for you! Our CardMatch tool can help match you with prequalified offers and cards that align with your credit history – with no harm to your credit score. Get personalized offers from our partners in seconds.
Avoid late fees
If you don’t pay your rent on time, the landlord may charge you a late fee – which can be assessed at 5% of your rent payment or more.
“It’s nice to have the flexibility to charge your rent as an option if you hit a particularly tough month,” says Davis. “If tenants find themselves stretched too thin financially one month, it’s cheaper to charge their rent than let it go late – and it keeps them from falling behind and souring their relationship with their landlord.”
Cons of paying rent with a credit card
While paying with a credit card has its advantages, there are a few drawbacks to consider as well:
Fees
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In the event you are responsible for the credit card processing fee, you’re looking at an increase in your monthly obligation. If the value of your credit card rewards doesn’t surpass the fees, you will lose – not gain – money.
To know if it makes financial sense, look at your card’s rewards program and compare its earnings rates to the transaction fees you’ll be charged. If the fee is 2.5% of the transaction, and you’re earning 1.5% in cash back, you’re losing 1% every month. So, for example, you’ll be out $15 for a $1,500 rent payment.
“It may not sound like much, but over time, it adds up,” says Ande Frazier, former editor-in-chief of MyWorth, a financial education media company. “And if money is tight, [it will impact] what you should be spending on, [like] something essential.”
Credit card debt
As convenient as it is to rely on a substantial credit line when you need it, it’s also easy to over-borrow. Elevated interest rates and low payments will put you into a deep hole.
“It’s a vicious cycle,” says Frazier.“That debt will grow and grow, and the compounding interest will be huge. If you can’t afford your rent, you’re living in the wrong place.”
Credit damage
Credit scores consider the amount of debt you owe and weigh it against the amount you can borrow. If you hit your limit and the balance stays anywhere near it, your scores will sink. Skip payment cycles, and those scores plummet further.
This puts you in a terrible position if you have to move. Almost all landlords check credit reports to see if you’re a low-risk tenant. So, if they see excessive debt and a pattern of missed payments, they may pass you over for tenancy.
See related: How to rent an apartment with bad credit
Final thoughts
In extreme situations, charging your rent and then paying incrementally can keep you in positive position with your landlord. To avoid credit card debt spiraling out of control, pay as much as you possibly can to the balance each month. Then when life returns to normal and you want to continue to charge your rent, make sure you always have the money in your checking account to cover the payment when the bill is due.
While COVID-19 has affected all parts of daily life, the travel industry has certainly been put on hold as people have had to cancel plans and stay at home. Since most travelers plan many months in advance, this also leaves many holding tickets they can no longer use. Frequent flyers and hotel loyalty members are left wondering what recourse they have, if any, when it comes to their member status and points or miles.
We researched the major players in the hotel and airline industry to find out how these companies plan to accommodate their valued members â by extending points, status levels and more â in the wake of the coronavirus pandemic.
Coronavirus relief measures by loyalty or travel program
Hilton Honors
Marriott Bonvoy
IHG Rewards Club
World of Hyatt
Wyndham Rewards
Choice Privileges
United MileagePlus
Delta SkyMiles
American Airlines AAdvantage
JetBlue TrueBlue
Southwest Rapid Rewards
Virgin Atlantic
British Airways
CLEAR
TSA Precheck
Global Entry
Hilton Honors
In addition to donating up to one million rooms to medical professionals, Hilton has promised to compensate its Hilton Honors loyalty program members in a number of ways.
Lower status requirements
Hilton has cut status qualification requirements by half.
Elite status
Previous status requirements
New status requirements
Silver status
4 stays, 10 nights or 25,000 base points
2 stays, 5 nights or 12,500 base points
Gold status
20 stays, 40 nights or 75,000 base points
10 stays, 30 nights or 37,500 base points
Diamond status
30 stays, 60 nights or 120,000 base points
15 stays, 30 nights or 60,000 base points
Status extension
For any Silver, Gold or Diamond members that were due to downgrade in 2020 or 2021, statuses will be extended through March 31, 2022.
Cardholder benefits
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Weekend night rewards on eligible Hilton credit cards that were not expired by May 1, 2020, will now be valid through August 31, 2021, and certificates issued from May 1 through Dec. 31, 2020, are valid for 24 months from the date of issuance. All free weekend night certificates issued in 2021 can be used any night of the week and expiration is extended until Dec. 31, 2022.
Additionally, bonus points will continue to count as base points on eligible purchases through Dec. 31, 2021, and toward elite status tier qualification, including Lifetime Diamond Status.
Other rewards
All 2020 elite qualifying nights will be rolled over to the 2021 status year. This applies to all nights members have already completed or will complete this calendar year.
On top of that, Hilton has lowered the requirements to earn Milestone Bonuses for 2021. Previously, you could earn 10,000 bonus points every 10 nights after completing 40 nights in a calendar year. Starting in January, that requirement has been changed to 20 nights stayed to align with the new Gold qualification level. However, 60 nights will still earn you 30,000 points.
Diamond members will be able to gift Gold status for staying 30 nights in 2021 instead of 60 nights which was the previous requirement. The requirement to gift Diamond status is lowered to 60 nights instead of 100.
To ensure member safety, Hilton is providing flexible cancellations and full points refunds for all Hilton Honors experiences booked through May 31, 2021.
You can follow further updates for Hilton Honors members on the loyalty program website.
Marriott Bonvoy
Marriott plans to compensate its Marriott Bonvoy members, although benefits may vary depending on membersâ location.
See related: Marriott data breach involves 5.2 million hotel guests
Status extension
Bonvoy members who earned elite status for 2020 can now enjoy their benefits through February 2022.
Points extension
Points set to expire by February 2021 will be paused, and no points will expire until after that time period.Â
Other rewards
Active free night awards (as part of Marriott credit cards or packages) set to expire beginning March 1, 2020, will be extended through Aug. 1, 2021. Additionally, more recent certificates set to expire before July 31, 2021, will be extended through that date as well. Suite night awards set to expire by Dec. 31, 2020, will be extended another year through Dec. 31, 2021.
Additionally, Marriott will deposit Elite Night Credits into Bonvoy elite membersâ accounts in the amount of 50% of the nights required for the status they earned in 2019. This can make it easier for the members to reach the next tier.
Elite Night Credits deposit breakdown
Elite status
Annual tier requirements
Extra elite night credits
Ambassador Elite
100 Qualifying Nights and $20,000 stay spend
50 Elite Night Credits
Titanium Elite
75 Qualifying Nights
38 Elite Night Credits
Platinum Elite
50 Qualifying Nights
25 Elite Night Credits
Gold Elite
25 Qualifying Nights
13 Elite Night Credits
Silver Elite
10 Qualifying Nights
5 Elite Night Credits
Stay up to date on relief measures for Bonvoy members on the companyâs COVID-19 page.
Coronavirus: What to do if youâre unemployed and have credit card debt
How to manage your credit cards during the coronavirus outbreak
IHG Rewards Club
Due to travel constraints and shortened travel periods, IHG has lowered its requirements for elite status membership by 25% or more, as well as extended statuses and points for all members (since elite membersâ points never expire).Â
Lower status requirements
Status
Previous qualification requirements
New qualification requirements
Gold
10,000 qualifying points in a calendar year or
10 qualifying nights in a calendar year
7,000 qualifying points in a calendar year or
7 qualifying nights in a calendar year
Platinum
40,000 qualifying points in a calendar year or
40 qualifying nights in a calendar year
30,000 qualifying points in a calendar year or
30 qualifying nights in a calendar year
Spire
75,000 qualifying points in a calendar year or
75 qualifying nights in a calendar year
55,000 qualifying points in a calendar year or
55 qualifying nights in a calendar year
See related: The benefits of IHG Rewards Club elite status
Status extension
Program statuses will be extended through January 2022 for all members. Spire elite members will also retain their Choice benefit of 25,000 bonus points or gifting of Platinum Elite status to someone each year.
Award certificatesÂ
Anniversary night certificates (U.S. and U.K. only) set to expire before March 1, 2020, will be extended through the end of the year. All 2020 certificates will be redeemable for 18 months, instead of the usual 12. Some members have also reported that free night certificates expiring before Dec. 31, 2020, will be extended until August 2021.
Follow updates to IHG Rewards Club benefits on the programâs travel advisory page.
World of Hyatt
The World of Hyatt loyalty program will extend all statuses and rewards to compensate valued members.
Status extension
All active elite statuses, as of March 31, 2020, will be extended through Feb. 28, 2022.Â
Points extension
Forfeiting points due to inactivity will be suspended through June 30, 2021. No points will expire until that date.
Other rewards
Any earned rewards, such as free nights or upgrades, set to expire between March 1 and Dec. 31, 2020, will be extended through Dec. 31, 2021.
Check the updates to Hyatt relief measures on the programâs COVID-19 page.
online.
Keep an eye on Wyndhamâs COVID-19 statement page for updates.
Choice Privileges
It took Choice some time to follow suit and join other hotel chains in extending elite statuses and offering other promotions amid the outbreak. On May 21, 2020, the company announced a series of offers to expand the benefits of its Choice Privileges loyalty program.
“Even during this crisis, our members found a number of ways to engage with us and make a difference,” said Jamie Russo, vice president, loyalty programs and customer engagement, Choice Hotels. “Some of them are essential and frontline workers who chose to stay in our small-business hotels, and others showed their generosity by donating their Choice Privileges points to aid recovery efforts. Our latest loyalty program changes tell our members that we appreciate their continued support and our hotels are here to welcome them whenever they feel safe traveling again.”
Status extension
All membersâ current elite statuses will be extended through Dec. 31, 2021.
Lower status requirements
Choice is also easing requirements to qualify for elite status in 2021.
Elite status
Previous status requirements
2021 status requirements
Gold status
10 nights
7 nights
Platinum status
20 nights
15 nights
Diamond status
40 nights
25 nights
Additionally, Choice is giving current elite members a limited-time upgrade to the next tier. Gold members will be upgraded to Platinum status and Platinum members will be upgraded to Diamond. Additionally, members who stayed at least five nights by Dec. 31, 2020, will be able to keep their upgraded tier through 2021.
United MileagePlus
United has said it would compensate their MileagePlus members by extending all annual memberships, subscriptions and checked bag benefits for six months. United also plans to make status membership requirements easier and will release information later in 2020.
Status extension
All MileagePlus Premier members will get to retain their 2020 status through Jan. 31, 2022.
Lower status requirements
MileagePlus Premier membership now has easier requirements, reduced 50% for each status level.
2021 status
Premier qualifying flights
and PQP
⦠or PQP
Silver
6
2,000
2,500
Gold
12
4,000
5,000
Platinum
18
6,000
7,500
1K
26
9,000
12,000
Other rewards
All valid travel certificates issued on or after April 1, 2020, will be extended to be valid for two years for booking, as well as up to an additional 11 months to travel. All redeposit fees for flights booked through May 31, 2020, will be waived, as well as all fees for members who cancel within at least 30 days of departure.
Follow more updates to United MileagePlus on the programâs travel notice page.
Delta SkyMiles
Delta has stepped up to say they will compensate their Medallion members by extending their Member status.
Status extension
2020 Medallion Member status will be extended through Jan. 31, 2022, and this change should be reflected on the memberâs SkyMiles account by Feb. 1, 2021. Additionally, all 2020 Medallion Qualification Miles will roll over into 2021.
Follow updates to the Delta SkyMiles program on the coronavirus travel update page.
American Airlines AAdvantage
As AAdvantage members experience reduced travel opportunities due to the coronavirus, American Airlines is offering elite status extension, lowering elite status requirements and allowing eligible cardholders to earn miles toward Million Miler status with credit card spend.
Status extension
Members whose elite status expires on Jan. 31, 2021, will automatically get an extension until Jan. 31, 2022.
Lower status requirements
Members will be able to qualify for a higher elite status in 2021 with lower requirements, including Elite Qualifying Dollar (EQD), Elite Qualifying Mile (EQM) and Elite Qualifying Segment (EQS).
Gold oneworld Ruby
Platinum oneworld Sapphire
Platinum Pro oneworld Sapphire
Executive Platinum oneworld Emerald
$2,000 EQDs and 20,000 EQMs or
$2,000 EQDs and 20 EQSs
$4,500 EQDs and 40,000 EQMs or
$4,500 EQDs and 45 EQSs
$7,000 EQDs and 60,000 EQMs or
$7,000 EQDs and 70 EQSs
$12,000 EQDs and 80,000 EQMs or
$12,000 EQDs and 95 EQSs
Cardholder benefits
The CitiBusiness® / AAdvantage® Platinum Select® Mastercard® cardholders who hold a companion certificate expiring Dec. 31, 2020, will receive a six-month extension as well, bringing the expiration date to June 30, 2021.
Learn more about AAdvantage program updates on aa.com.
JetBlue TrueBlue
JetBlue took a bit longer to join other airlines in taking measures to support loyal customers. On May 14, 2020, JetBlue announced it’s extending Mosaic elite statuses, as well as making it easier to earn one.
Status extension
All currently valid Mosaic elite statuses will be extended through Dec. 31, 2021.
Lower status requirements
JetBlue is reducing the qualifying thresholds for Mosaic status by 50% for 2021. To earn the status this year, you’ll need to earn 7,500 qualifying TrueBlue base points or 6,000 qualifying TrueBlue base points and 15 flight segments.
Alternatively, you can get the elite status by spending $50,000 in annual net purchases on the JetBlue Plus card â this spending requirement hasn’t changed for 2020.
Virgin Atlantic
Virgin Atlantic has also made it easier for customers to earn and maintain elite status amid the pandemic.
Status extension
In March 2020, Virgin Atlantic extended status for Gold and Silver members, allowing them an additional six months to meet the requirements.
On Aug. 20, 2020, the airline added another six months to the extension, making it one year in total.
Other rewards
Starting Sept. 1, 2020, the Flying Club program members will be able to earn tier points on award flights, meaning they’ll be able to earn elite-qualifying points on flights where they used Flying Club miles to redeem for travel.
On top of that, Virgin Atlantic makes it easier for members to earn and redeem Companion Vouchers, Upgrade Vouchers and Clubhouse Vouchers.
Members can now use Companion Vouchers with any ticket in any booking class, regardless of status. Gold and Silver members can book their companion into any cabin for zero miles, and Red members can book their companion into Economy and Premium for zero miles or upper class at a 50% discount.
Upgrade Vouchers can also be used with any ticket in any booking class, excluding Economy Light, for a one-cabin upgrade on a return flight.
Clubhouse Vouchers can be used for one entry to any clubhouse when booked on a Virgin flight or with Air France, Delta or KLM when flying internationally. Gold members will continue to receive two vouchers.
Southwest Rapid Rewards
On April 16, Southwest announced a status extension for A-List and A-List Preferred members and companion passes. The company is also giving a points “boost” to all Rapid Rewards members.
“As we continue to navigate our way through this unprecedented time and deal with extraordinary challenges, we are committed to keeping you informed and updated on the steps we are taking to manage through the COVID-19 pandemic,” Southwest said in a message to Rapid Rewards members.
Status extension
Companion Pass Members who received an extension of their earned Companion Pass benefits through June 30, 2021, will have their benefits extended for another six months. Members will be able to keep their status through Dec. 31, 2021.
Other rewards
Southwest is giving all Rapid Rewards members with an account opened by Dec. 31, 2020, a âboostâ of 25,000 Companion Pass qualifying points and 25 flight credits toward Companion Pass status, as well as 15,000 tier qualifying points and 10 qualifying flight credits toward A-List and A-List Preferred.
Southwest cardholders can also spend their way all the way to A-List status, with no cap on tier qualifying points (TQPs) earned through card spend. Previously, cardholders could only earn up to 15,000 TQPs per year via card spend.
Additionally, travel funds created or expiring between March 1, 2020, and Sep. 7, 2020, will now expire on Sep. 7, 2022. Alternatively, Rapid Rewards members can convert those funds into Rapid Rewards points. According to Southwest, the conversion ratio is âthe same rate you would be able to purchase a ticket with points today.â
British Airways
On June 11, British Airways finally joined other airlines in extending the elite status for its members. Additionally, the carrier is reducing the number of tier points needed to reach a higher membership tier.
Status extension
British Airways is extending tier status by 12 months for members who have a tier point collection end date of July 2020, through to June 2021.
Lower status requirements
The carrier has also reduced the number of points needed to retain and upgrade a membership status by 25%.
Here are the new tier qualification thresholds:
Bronze: 225 Tier Points or 18 eligible flights
Silver: 450 Tier Points or 37 eligible flights
Gold: 1125 Tier Points
Cardholder benefits
Members who have earned heir Gold Upgrade Vouchers, Companion Vouchers and Travel Together Tickets with a British Airways credit card will get a 6-month expiration extension to any current vouchers.
CLEAR
CLEAR is a program that makes it quicker for travelers to get through airport security lanes by using biometrics for ID verification. Since many people are currently avoiding traveling due to the coronavirus outbreak, a CLEAR membership might not be useful at the moment.
Originally, CLEAR offered customers to pause their membership for three months. Now CLEAR is allowing members to request a three-month extension to their membership, which can be done by contacting the company directly. With customer service channels such as phone lines overloaded by requests, the fastest way to do so is via CLEARâs online chat. However, some users have reported experiencing difficulties finding the chat box on the website. Alternatively, you can reach CLEAR by text, email or phone.
TSA Precheck
TSA Precheck is a five-year membership that provides expedited security checks at select domestic airports in the U.S. At this time, TSA is planning to keep enrollment centers open while working to determine if any temporary closures are required. Some centers have been closed or changed hours.
If youâre planning to visit an enrollment center, itâs recommended that you schedule an appointment â as walk-ins may be deferred.
Visit TSAâs enrollment questions page for more information.
Global Entry
Global Entry, a program run by U.S. Customs and Border Protection that allows travelers to get expedited clearance through automatic kiosks when arriving in the U.S, has reopened its enrollment centers on Sept. 8, 2020. After a six-month hiatus, the program will finally allow conditionally approved Global Entry applicants to complete in-person interviews at most Trusted Traveler Programs enrollment centers in the U.S. The interviews must be scheduled in advance online, and their availability will vary by location.
Since the COVID-19 outbreak has also affected processing times for Global Entry renewals, CPB has increased the renewal grace period to 18 months. This means that if you apply for your Global Entry renewal before its expiration date, you’ll be able to use Global Entry for another 18 months.
As the coronavirus situation is unprecedented and changing rapidly every day, hotels and airlines continue to make updates to their travel policies, including their loyalty programs. Travelers should continue to check airline and hotel websites as the situation evolves. If they cannot find the information they need online, they should contact their hotel, airline or travel agencyâs customer service number.
You already know that your on-time Wells Fargo credit card payments boost your credit score. But did you know that your payments could also help increase the credit score of a family member or friend with a lower score? Or that your payments could help your children build their own credit scores?
It’s true. This can all happen if you add friends or family members– or anyone else – as authorized users to your Wells Fargo credit card account.
Just be careful: While adding authorized users can help others build or repair credit, it could leave you with some financial pain if your authorized users don’t follow your spending rules.
What is an authorized user?
An authorized user is someone who has access to your credit card account. When you add an authorized user to your account, that person receives a credit card in the mail with its own unique number. But when they make purchases with this card, the charges go onto your account.
You’d add an authorized user to your Wells Fargo credit card to help that user build or repair credit. Every time you make an on-time payment on your card, it’s reported to the three national credit bureaus of Experian, Equifax and TransUnion.
These on-time payments steadily improve the credit score of both you and your authorized users. This is why parents might add their children to help them build a score or a friend or family member with a low score that needs a boost.
There is a risk here for you: Authorized users aren’t responsible for paying off any of the charges they make. When they make a purchase, the primary account holder is responsible for paying it off. If you don’t, that charge will carry over past your credit card’s due date, triggering your card’s interest rate. If your authorized users make a lot of charges and don’t pay them off in full? You could face unexpectedly higher credit card bills each month.
That’s why it’s so important to come to an agreement with your authorized users, spelling out exactly how much they can charge each month and when they must pay you for their purchases. If they don’t follow this agreement? You can remove them from your account.
It’s not all risk when you add an authorized user, though. If you have a Wells Fargo-branded rewards card – such as the Wells Fargo Propel American Express® card or the Wells Fargo Cash Wise Visa® card – your authorized users will rack up rewards points and cash back bonuses when they use your card to make purchases, helping you earn rewards and cash back at a faster pace.
Authorized user eligibility requirements
You can add anyone as an authorized user to your Wells Fargo credit card account. This includes family members, of course, but can also include friends, employees or anyone else you’d like to add.
To add authorized users, you must provide their name, address, date of birth and Social Security number.
How to add an authorized user to your Wells Fargo account
You can easily add an authorized user to your account by first logging onto Wells Fargo Online Banking. After logging in, click on the “Account Services” tab and then click “Credit Card Service Center.” Next, click on the “Request credit card features” heading. You can then click the “Additional cardholders for your account” link, which will allow you to add authorized users.
Fee for adding an authorized user
There are no fees for adding an authorized user to your Wells Fargo credit card.
Managing authorized user access
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You can’t set limits on how much your authorized users spend each month. That’s why it’s important to only add authorized users whom you trust to follow whatever spending rules you set up with them.
Fortunately, it’s easy to remove authorized users from your Wells Fargo account if they are not following your limits.
Again, log into your Wells Fargo account. Click on “Account Services” and then on “Credit Card Service Center.” Next, choose the “Request credit card features” heading. You can then click “Additional cardholders for your account” to remove any of the authorized users on your account. You can also call the 800-number on the back of your Wells Fargo credit card to remove users.
Pros and cons of adding an authorized user
There are both risks and rewards for adding an authorized user to your Wells Fargo card.
Pros
Credit score boost: When you add authorized users, you can help them repair damaged credit. When you make an on-time payment on your Wells Fargo card, that payment is reported to the national credit bureaus, which will provide a boost to your credit score and the scores of any authorized users.
Building credit scores: Some people don’t have enough of a history to have a credit score. This often happens with young adults who haven’t yet applied for their own credit cards or taken out any loans. You can help these consumers build their credit scores by adding them as authorized users. They’ll get the benefits of positive credit history without having to qualify for a card themselves.
A boost to your rewards: When authorized users make purchases with their Wells Fargo card, those charges go onto your account. This can help you earn rewards and cash back bonuses at a faster rate.
Cons
Overspending: You are responsible for any charges made by your authorized users. If they refuse to pay you for their charges? You’ll have to make the payments – something that could bust your monthly budget.
A higher credit-utilization ratio: Your credit utilization ratio – a measure of how much of your available credit you are using – can help or hurt your credit score. If that ratio is high, your score will take a dip. If authorized users run up your credit card balance and then don’t pay you back for your charges? Your credit utilization ratio could rise, and your credit score could fall.
You could hurt your authorized users’ scores, too: If you make a payment 30 days or more past your due date, your credit score could fall by 100 points or more. And if you have authorized users on your account? Their scores will fall, too. Only add authorized users if you’re certain that you’ll always make your credit card payments on time.
Should you add an authorized user to your Wells Fargo card?
Adding an authorized user to your Wells Fargo credit card could improve the credit of your spouse, children or friends. But don’t ignore the risks. If authorized users run up charges on your account, you’re the one responsible for paying them off.
The key? Only add authorized users whom you trust. And be sure to reach an agreement on how much these authorized users can charge and when they must pay you back for their charges.
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May 10, 2019 · The constant movement provides an aerobic workout that gets your heart and lungs pumping. A 30-minute stair stepper workout burns from 180 to 266 calories, depending on your weight. The best stepper workout will get your heart rate to 70 to 80 percent of your maximum heart rate. Use Proper Technique
step down, set it to music. But if you want a quicker, burnier leg workout, try these moves that work similar muscles as squats and lunges: Double stair lunge: Climb up the stairs two at a time. …
"Association of Step Volume and Intensity With All-Cause Mortality … Related: 20 Seconds of Stair-Climbing Can Improve …
Shop for Steppers in Exercise Machines. Buy products such as Gold’s Gym Mini Stepper with Monitor at Walmart and save.
Climb to your fitness goals with steppers from Sears. Stair climbing is one of the most beneficial cardio exercises for good health. Exercise steppers and stair climbers offer a full-body workout with light resistance and great cardio benefits. Whether you’re looking for a mini twist stepper …
Your heart will elevate sharply for every set, keeping your calorie expenditure higher throughout the workout. Step-Ups. …
The annual Tower 2 Tower Stair Climb took place in Oxnard on Saturday … Participants including Jennifer, Blake and Ethan …
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"Association of Step Volume and Intensity With All-Cause Mortality … Related: 20 Seconds of Stair-Climbing Can Improve …