Tag: Convenience

Apartments With Move-in Specials

Right now is a fantastic time to be looking for a new apartment home in Washington, DC. The past few years’ construction boom has added a surplus of apartment inventory to the market. The result of extra apartment inventory = move-in specials!

If you are willing to commit to a longer lease term you can score anywhere between one to three months free! Plus if you can make a quick decision, apartments are offering additional incentives like $250 gift cards, free parking, free meal delivery services, and more.

Move-in specials used to only be found at new construction buildings that were just opening up. With all the extra apartment inventory in DC now, the interesting thing we are seeing is that older buildings are getting in on the concession game, too! So it’s possible to get one or two months free at the more budget-friendly buildings.

We’re starting a list of apartment specials here and will add to it as we find more. Hear of an awesome special? Drop us a line at [email protected] and we’ll be sure to add it to the list!

Avec on H Street

Get up to two months free + $250 gift card

901 H Street NE, Washington, DC Text with an agent: 855-283-1852 Speak with an agent 833-758-5743

Avec on H is a new apartment building on H Street NE. The building has a huge rooftop with a pool, outdoor living rooms with heaters, conversation areas with firepits, and grilling areas. The building has studios, one, two, and three-bedroom apartments starting at $1564. You can get the two-months free movein special by choosing a longer lease term and if you apply within 48 hours of your apartment tour, you get the additional $250 gift card. They are offering self-guided tours and virtual tours. Check out Avec floorplans here.

Dupont Apartments

Get up to two months free!

1717 20th Street NW, Washington, DC

Speak with an agent 833-300-3125

Dupont Apartments is located just two blocks from the Dupont Circle metro stop. The smaller apartment building doesn’t have all the bells and whistles of a new luxury building, but the prices are great and the location can’t be beaten! The building has studios and one-bedroom apartments starting at $1490. You can get the two-months free move-in special on any available apartment right now. They are offering self-guided tours and virtual tours. Check out Dupont Apartments floorplans here.

Aura Pentagon City

Get up to two months free!

1221 South Eads Street, Arlington, VA Speak with an agent 877-472-3092

Aura Pentagon City is located in the heart of Pentagon City. Living here means an easy commute to the Pentagon, Boeing, and the new Amazon HQ2! The building has two rooftop pools, 24-hour concierge, fitness center, and complimentary coffee service! Apartment sizes range from studios up to two-bedrooms and come equipped with large closets, full-size washers and dryers, and gas ranges. You can get the two-months free move-in special on specific apartments right now. Check out Aura floorplans here.

2800 Woodley

Get Six Weeks free!

2800 Woodley Road, NW Washington, DC Speak with an agent 833-226-4798

2800 Woodley is on a residential street in the Woodley Park neighborhood. Just four blocks from the Woodley Park/Adams Morgan metro station, this is a great apartment for car-free living lifestyle. However, the residential street does allow for street parking. This rent-control building has a stunning lobby and some of the friendliest front desk employees you will ever meet. The rent is inclusive of all utilities with the exception of cable/internet. Apartment sizes range from studios up to two-bedrooms and come equipped with large closets, wood parquet floors, and gas ranges. You can get the six weeks free move-in special on any available apartment right now. Check out their floorplans here.

Baystate

Get up to Two Months Free!

1701 Massachusetts NW Washington, DC Speak with an agent 833-716-9395

Located on Massachusetts Avenue, NW The Baystate is made up of 111 studio apartments. The building offers package receiving and pick-up/delivery dry cleaning service. There is on-site management and for your convenience a mobile app to submit work orders or pay your rent. There are an on-site laundry room and fitness center. In the warmer months, you can enjoy the rooftop deck. Studio apartments at this property start at only $1395! You can get the two-months free move-in special on any available apartment right now. Check out their floorplans here.

Read Apartments With Move-in Specials on Apartminty.

Source: blog.apartminty.com

By Leon Hoffman June 22, 2021. Apartment Hunting, Student Finances Apartment Hunting, Convenience, DC Apartments For Rent, deck, Financial Wize, FinancialWize, fitness, free rent, front, Home, Lifestyle, Luxury, Make, Mobile App, move-in specials, property, will

Can you Pay a Credit Card with a Credit Card?

AÂ credit cardÂ is designed to help you in an emergency, to give you options when there are none. But what happens if you have a maxed-outÂ credit cardÂ in one hand and an empty card in the other, can you use oneÂ credit cardÂ to pay off the other and, more importantly, should you?

TheÂ short answerÂ is yes and… probably not. However, there is a better option available and it’s actually one of the best ways to clear aÂ credit cardÂ balance.

Options for PayingÂ Credit CardÂ BillÂ with Another Card

There are three ways you can clear aÂ credit cardÂ billÂ using anotherÂ credit card. The first two options are nothing short of terrible and are likely to cause more issues than they fix. The third is really the only one you should consider, but before we get to that option, let’s get the bad ones out of the way.

Cash AdvanceÂ andÂ Convenience Checks

Credit cardÂ companiesÂ won’t let you pay off oneÂ credit cardÂ with another, at least not in that way. However, you can get around this by usingÂ convenience checksÂ or aÂ cash advance. The former is sent by your creditor for you to make a deposit into yourÂ checking account; the latter is used to withdraw cash.Â

Technically, you can get cash from yourÂ credit card, put this into yourÂ checkingÂ account, and then use that money to clear yourÂ credit cardÂ debt.

âBut, as mentioned above, this is aÂ bad idea.Â Cash advanceÂ feesÂ can be enormous and if you’re moving large sums of money and being charged a high fee for doing so, you could be seriously out of pocket. Luckily, there is aÂ better alternative.

Using aÂ Balance Transfer

AÂ balance transferÂ is the act of moving aÂ credit cardÂ balanceÂ from one or more cards to another. There are specificÂ balance transferÂ credit cardsÂ designed to help you with this process and all come with anÂ introductory periodÂ where youâre offered 0% APR for the first 6, 12 or 18 months.Â

Once this period ends, you may be charged aÂ higherÂ interestÂ rate, but if you can clear your balance during that intro period those extraÂ interest chargesÂ won’t matter.

HowÂ Balance TransfersÂ Work

Balance transferÂ credit cardsÂ are used byÂ credit cardÂ companiesÂ to attract new users. These introductory offers convince you to move your balance to aÂ newÂ credit cardÂ company, after which they hope you will continue to make purchases, accumulate debt, and remain with them for years to come.

MostÂ balance transferÂ credit cardsÂ charge a fee for moving the money across. This fee is often levied as 3% or 5% of the total balance, which equates to $300 or $500 for a balance of $10,000.Â

That sounds like a lot, but it also comes with a 0% APR, which means yourÂ monthly paymentsÂ will go exclusively towards the principal, paying it off quickly.

Usually, the majority of yourÂ minimum paymentÂ goes towards interest, which means your balance will decrease slightly with each passing month. By removing this interest obligation from the equation, all your payment will go towards the balance, thus clearing it quickly and cheaply.Â

These cards can save you thousands of dollars if used properly, but it’s important not to swap an older problem for a new one; not to create the same issues on yourÂ new cardÂ that you had on your old card.

Use aÂ balance transferÂ offerÂ to remove the balance entirely. Meet theÂ minimum payment, pay more where possible, and ensure that when theÂ introductory periodÂ ends, there is no balance on which interest can build. Once you reach this point, you’ve wiped the slate clean and can start afresh, makingÂ credit cardÂ paymentsÂ on time and clearing your balance in full every month.

ManyÂ balance transferÂ credit cardÂ offersÂ come with a $0Â annual feeÂ and don’t charge you for foreign transactions. However, they typically won’t provide you with the sort ofÂ cashbackÂ rewards you can get from otherÂ credit cards.

Paying Off aÂ Credit CardÂ with Bad Credit

If you haveÂ bad credit, you may struggle to find aÂ balance transferÂ cardÂ with a high enoughÂ credit limit. These cards, like all goodÂ credit cards, require a relatively cleanÂ credit report, preferably with aÂ credit scoreÂ above 670.

As long as yourÂ credit scoreÂ is above 580, you’ll still options, but those options may be limited toÂ high-interest ratesÂ and unfavorable terms. In such cases, there are a few things you can to clear your credit debt:

1. Improve YourÂ Credit Score

AÂ balance transferÂ feeÂ is the only real downside to aÂ balance transferÂ credit card, so it’s worth putting the time and effort in to get one of these cards. It may only take a few months to improve yourÂ credit scoreÂ to a point where you can apply for one of these cards.

Take a look at theÂ bestÂ balance transferÂ credit cardsÂ (Discover, Visa, Chase) to give you an idea of the sort of card that can help you and the type ofÂ credit scoreÂ you need. Once you have that target in mind, you can work towards achieving it.

2.Â Credit Counseling

A credit counselor can look at your current financial situation and determine the best course of action going forward. These services are offered by manyÂ credit counselingÂ agencies and you typically only need to pay a token amount for a short 30- or 60-minute session.

3. Debt Consolidation

Debt consolidation is very similar to aÂ balance transfer, as it swaps one or more smaller debts for a big one. The difference is that it pays theÂ credit cardÂ balancesÂ off with a single loan, and you then focus on repaying that loan.

Typically, debt consolidation extends the length of your loan with a view to reducing theÂ monthly paymentsÂ but increasing the total balance. This can help to make yourÂ credit cardÂ debtÂ more manageable and it will also improve your debt-to-income ratio.

4. Debt Settlement

Debt settlement is one of the cheapest ways to clearÂ credit cardÂ debt. It begins when a debt specialist requests that you stop meeting all monthly payments and then move your money to a separateÂ bank account.Â

The debt specialist will then use thisÂ bank accountÂ to negotiate with your creditors, waiting until they desperate to settle and then offering them a greatly reduced settlement sum.

Just bear in mind that when you miss aÂ minimumÂ monthly payment, you run the risk of your account defaulting, which will hurt yourÂ credit score.

Can you Pay a Credit Card with a Credit Card? is a post from Pocket Your Dollars.

Source: pocketyourdollars.com

By Leon Hoffman February 3, 2021. balance transfer, chase, Checking Account, Convenience, Credit, Credit Card Debt, Credit Cards, credit report, credit score, Debt, Financial Wize, FinancialWize, loan, Make, money, moving, Rewards

Can you send money with a credit card?

Sending cash to friends and family? Before you reach for that credit card, grab a calculator. Itâs time to do a little math.

With most everything you purchase online or through apps, credit cards have the edge. With plastic, you have chargeback rights. If youâre overcharged or receive the wrong item, broken merchandise or nothing at all, your card issuer will make it right. And if you use a rewards card, you collect points or miles, too. Win-win.

But itâs different story when youâre sending money through peer-to-peer platforms. Many of them (like Google Pay, Popmoney and Zelle), donât allow consumers to use a credit card to send cash.

Others (like Cash App, PayPal and Venmo), allow credit cards but also charge a fee for the privilege â often about 3%.

See related: How to choose a P2P payment service

The hidden costs of using credit cards to send money

Choose a credit card to send money and you might also end up paying additional fees to your card issuer. Thatâs because the combination of some peer-to-peer apps with certain cards are coded as cash advances, rather than purchases.

For many cards, that cash advance code triggers a higher interest rate that kicks in the moment you make the transaction, as well as a separate cash advance fee thatâs often $10 or 5% of the transaction â whichever is higher. (Currently, the average interest rate for cash advances is 24.8%, while the average APR for purchases is 16.05%.)

So the combination of peer-to-peer service fees, credit card cash advance fees and that higher interest rate (with no grace period) could make sending a few hundred dollars a bit more costly than youâd planned.

No chargeback rights with credit cards

The real kicker: Unlike other venues, you donât have chargeback rights when you use credit cards to make peer-to-peer money transfers.

When you present your credit card in an online or brick-and-mortar store, thereâs a merchant involved â and the law provides chargeback rights for your protection in case you donât get what you were promised in the deal. But in a peer-to-peer money transfer, thereâs no merchant, so currently the laws donât give consumers any chargeback rights, says Christina Tetreault, manager of financial policy for Consumer Reports.

âThe chargeback right requires a merchant,â says Tetreault. âOne of the hoops a consumer has to jump through is to try and work it out with the merchant.â

If you use a peer-to-peer service and send the wrong amount or send the money to the wrong person, most platforms advise that the only way to get it back is to contact the recipient and ask them to return it. And thatâs often the same whether you use a credit card, debit card, bank account or funded account on the platform.

âBe doubly sure when youâre sending the money that youâre putting in the correct information,â says John Breyault, vice president of public policy, telecommunications and fraud for the National Consumers League. âItâs still a buyer beware world when it comes to peer-to-peer.â

The solution

If youâre sending money and want to use a credit card, it pays to do a little sleuthing first. Check out the peer-to-peer site. Does it allow users to send money with a credit card? If so what, if any, fees does it charge?

On some platforms (PayPal is one), you could see similar fees for using a debit card â while sending from a bank account or funded account on the platform is free.

The good news is that many peer-to-peer platforms clearly disclose it when thereâs an extra charge to use a credit card, says Tetreault. With Venmo, for example, youâll get a pop-up message.

Harder to decipher: Will credit card transactions on the platform be treated as a cash advance? If your preferred platform doesnât post this information, you might need to contact customer service. (And how quickly and easily you get an answer can tell you a lot, too.)

Ask your card issuer the same question: Are peer-to-peer money transfers on the platform youâve chosen treated as a cash advance? If they are, whatâs the interest rate, and whatâs the cash advance fee?

âWhat I would suggest is to ask that question, via email, of your financial institution,â says Tetreault. âIt may be in their FAQs. And you want to save that email. If you have it in writing, if thereâs an issue later, youâre better positioned to contest that fee.â

But âthe hard truth is you may not be able to find out ahead of time,â she says.

Another solution: Opt to use a credit card issued by a credit union.

âWith credit unions, the APR is usually the sameâ for purchases and cash advances, says John Bratsakis, president and CEO of the Maryland and District of Columbia Credit Union Association.

Likewise, with American Express cards you pay your regular interest rate and no cash advance fees on peer-to-peer transfers, says Elizabeth Crosta, vice president of public affairs for American Express.

And credit cards from U.S. Bank register peer-to-peer money transfers as regular purchases â with no cash advance fees or cash advance APRs, says Rick Rothacker, spokesperson for the bank.

See related: How do credit card APRs work?

Whatâs your reason for using a credit card?

Take a good look at the reason youâre using a credit card, too. If you want chargeback rights, thatâs not an option. If youâre doing it for the rewards, will the value of those points or miles be eaten up by extra fees or a higher interest rate you have to pay to use the card?

And if youâre using a card because you donât have the cash, that might be a good reason to rethink the idea of sending money in the first place.

Thatâs a huge red flag, says Bruce McClary, vice president of public relations at theÂ National Foundation for Credit Counseling.

âThe need to convert credit into cash is what really gets my attention â because that hints at a lack of savings,â he said. âItâs a reality a lot of people are facing, especially now.â

Cash advances arenât as expensive or risky as payday loans and car title loans, but they should be among your last resorts. If you’re looking for short-term relief, you could ask your credit card issuer for help, or find out if you qualify for a personal loan. You could also borrow from a family member or trusted friend, but be wary of the potential relationship toll if you can’t pay them back.

Getting cash from credit cards

Fifty-two percent of Americans report that the pandemic has damaged their finances, according to a recent survey by the NFCC. More than a fifth of those had to tap savings for everyday expenses, while 16% increased their credit card spending.

And thatâs a sign of financial stress, says McClary. âIt means that, in some situations, they have run out of savings.â

There are ways you can use your card to get cash, though.

Cashing in rewards

Some rewards cards from issuers such as Chase, Bank of America and US Bank let you deposit cash-back rewards directly to your bank account.

And Wells Fargo also will let you deposit its Go Far Rewards directly into another Wells Fargo customerâs account, says Sarah DuBois, spokesperson for the bank.

Gift cards

Many credit cards let you convert rewards into retail gift cards. So a pile of points can help a friend or family member buy much-needed groceries or a few holiday presents.

Or simply âbuy a gift card for someone,â says Bratsakis.

Retailer-specific gift cards and gift cards issued through local and regional retail associations and malls often come with no fees â meaning every dollar you spend goes toward your gift.

Convenience checks

While you can get a cash advance or use convenience checks from your card issuer, both those options often come with fees and higher interest rates. Not a smart money move, especially in the current economy.

While some lenders may offer convenience checks with deferred interest, thatâs not the same as âno interest,â says Bratsakis. Also, if you donât pay the loan in full, will you owe the full interest retroactively?

âThatâs where consumers have to be careful,â he says. With a convenience check or even a cash advance, âthatâs usually where consumers can get themselves into trouble if they canât pay it off and get hit with deferred interest.â

See related: What is deferred interest?

Bottom line

When it comes to peer-to-peer payments, cash really is king. You can then put it into a funded account with the money transfer platform or your bank account. And most peer-to-peer platforms let you do this for free.

âThe safest way to use these services is to send money person-to-person and be diligent about getting all the details correct so it doesnât go to the wrong person,â says Tetreault.

Only send to people you trust and know in real life, she says. âAnd before sending money make sure you understand what, if any, fees you might incur.â

Source: creditcards.com

By Leon Hoffman February 2, 2021. Account Management, Cash Back, Education Account management, Buy, car, Cash Back, Convenience, Credit, Credit Cards, Debit Card, Family, Fees, Financial Wize, FinancialWize, interest rate, Interest Rates, Life, loan, loans, Make, money, Purchase, Rewards, savings, Spending

6 Tips for Successfully Managing a Checking Account in College

Heading off to college is exciting. Really exciting. You finally have freedom! You’re out on your own for the very first time, managing your studies, managing your social life and… managing your finances.

Despite being a big part of your newfound independence, personal finance is a subject you probably won’t find on your course schedule. If you didn’t take a personal finance class in high school and never had money lessons from your parents, you may not know how to manage a checking account as a college student.

“College students have very different needs for their checking account than their parents or other adults,” says Tommy Martin, CEO of Clear Path Financial Planning and a finance blogger at TommyMartin.com. If you live in a different city during the school year than you do during winter and summer breaks, for example, you may be after a bank for which location doesn’t matter.

Ok, so how do I manage my checking account in college, you ask? First, don’t get overwhelmed. Learning how to manage money while in college and getting a handle on checking account basics is simpler than you might think (oh, and the skills will serve you for years to come). Second, you can kick off your checking account education with these tips for managing a checking account in college:

1. Compare checking accounts before signing up

While your college life may center around your school campus, you should consider venturing off-campus to pick the right checking account for your lifestyle.

“Students typically sign up with a bank that’s on campus or close to campus,” says Sahil Vakil, a financial planner and president of MYRA Wealth in New Jersey. However, the nearest bank might not be the one that best fits your needs, he adds.

Wondering how to manage money while in college? Be sure to compare checking accounts to find one that meets your needs while you're in school.

Instead of picking a bank based solely on proximity, consider all of your options, including banks with off-campus locations and online-only banks.

Martin agrees, saying that learning how to manage money while in college means considering all of your banking options rather than “automatically enrolling or choosing the official school bank just because it has the school logo on it.” There are other ways to show your school pride, after all.

2. Learn about checking account fees and rewards

Vakil and Martin both say a tip for managing a checking account in college is to consider an account’s fees before signing up. Costly fees can eat into your savings and spending money, which can be a blow for students who are not working full-time. When you are choosing a checking account in college, consider fees for:

Monthly maintenance (essentially keeping your account open)
Minimum balance (not maintaining one)
ATM usage
New checks
Wire transfers
Online bill pay
Replacement debit cards

Martin says a checking account with no minimum balance requirement or minimum number of transactions could be a good fit for students. “It allows them to focus on their education” instead of worrying about incurring penalties, he says. “Even a $5 fee on a checking account with $60 in it can be devastating.”

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Costly fees can eat into your savings and spending money, which can be a blow for students who are not working full-time.

Martin also suggests finding an account that has a large network of no-fee ATMs located across the country to better manage your checking account as a college student. “Especially if you’re going to a school in a different state, the local bank from home might wind up costing you a lot in terms of ATM fees,” he says. If your parents plan to wire you money, find an account that doesn’t charge incoming wire fees, Martin adds.

While fees should be a focus when you are learning how to manage money while in college, don’t forget about incentives. You may be able to find a checking account that actually helps you grow your balance by paying interest or offering a cash back rewards program.

“If you have to pay for books or supplies, at least you can get some cash back and use it for a free dinner,” Martin says. Discover Cashback Debit, for example, offers 1% cash back on up to $3,000 in debit card purchases each month.¹

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3. Track your checking account balance

Luckily, you don’t need to take Banking 101 to figure out your funds, and tech makes tracking your balance and account activity easier than ever. Most banks let you log in to your account online (don’t get distracted in class!), and with a bank’s mobile app you can transfer money to friends, pay bills, deposit checks and check your balanceâall while you’re on the go.

Knowing your balance at all times is a tip for managing a checking account in college because it can help you avoid overdrafts and insufficient funds fees. It can also help you forecast your income and expenses to ensure you’ll have enough money to cover future costs. Surpriseâthat’s budgeting!

There’s no one-size-fits-all budgeting program or system, though. You can go old-school and track your budget on a printed-out budget sheet, or you can go tech-savvy with a budgeting and spending app. “What’s best for you is the one you’re actually going to use,” Martin says.

If you learn how to manage money while in college and make a practice of maintaining your budget, the habit will follow you after graduation.

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âCollege students have very different needs for their checking account than their parents or other adults.â

– Tommy Martin, CEO of Clear Path Financial Planning and finance blogger

4. Secure your account

One of Vakil’s tips for managing a checking account in college is to make sure your account stays secure. Create a unique account name and password that you use only for your checking account, and never share your credentials.

Vakil says you can also enable two-factor authentication if your bank offers it and you’re looking for another way to improve the management of your checking account as a college student. “This additional layer of protection safeguards your sensitive financial data and strengthens the security of your account by requiring two methods of verifying your identity.”

For example, if you log in to your account from a new device, you may be sent a text message with a code that you’ll need to enter to access your account.

5. Keep an eye out for debit card holds

No matter where you bank, a merchant may place a hold on funds in your checking account when you use your debit card. Generally, a hold is placed for travel-related purchasesâsuch as at rental car companies, hotels and gas stationsâand used by merchants to protect against fraud and errors.

To manage a checking account as a college student, keep an eye out for debit card holds, especially while traveling.

“Holds on a debit card can make it tricky for you to manage your finances,” Vakil says. For example, “when you rent a car, the car rental company might put a $500 hold on your account. If the balance in your account was $550, now you can only use another $50.”

Being aware of holds can be particularly important if you are managing a checking account as a college student and tend to have a low account balance.

If a merchant will be placing a hold, it will generally post a sign to notify customers. The hold will typically be removed after the funds are transferred to the merchant from your financial institution, typically within three to four days.

Knowing when a hold will be placed, the amount of the hold and how much money you have in your checking account can help you manage your checking account as a college student by avoiding overdrafts and missed bill payments due to insufficient funds.

6. Don’t let one mistake throw you off track

If you can learn how to manage a checking account as a college student, and more generally, how to manage money while in college, you can lay the groundwork for a solid financial future. Checking account mistakes may occasionally happen (oops, I didn’t budget enough for that spring break trip), but don’t let them discourage you to the point of apathy. Instead, try to continually expand your knowledge and practice healthy financial habits.

¹Â ATM transactions, the purchase of money orders or other cash equivalents, cash over portions of point-of-sale transactions, Peer-to-Peer (P2P) payments (such as Apple Pay Cash), and loan payments or account funding made with your debit card are not eligible for cash back rewards. In addition, purchases made using third-party payment accounts (services such as Venmo^Â® and PayPal, who also provide P2P payments) may not be eligible for cash back rewards. Apple, the Apple logo and Apple Pay are trademarks of Apple Inc., registered in the U.S. and other countries. Venmo and PayPal are registered trademarks of PayPal, Inc.

The post 6 Tips for Successfully Managing a Checking Account in College appeared first on Discover Bank – Banking Topics Blog.

Source: discover.com

Avec on H Street

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Dupont Apartments

Get up to two months free!

Aura Pentagon City

Get up to two months free!

2800 Woodley

Get Six Weeks free!

Baystate

Get up to Two Months Free!

Options for PayingÂ Credit CardÂ BillÂ with Another Card

Cash AdvanceÂ andÂ Convenience Checks

Using aÂ Balance Transfer

HowÂ Balance TransfersÂ Work

Paying Off aÂ Credit CardÂ with Bad Credit

1. Improve YourÂ Credit Score

2.Â Credit Counseling

3. Debt Consolidation

4. Debt Settlement

The hidden costs of using credit cards to send money

No chargeback rights with credit cards

The solution

Whatâs your reason for using a credit card?

Getting cash from credit cards

Cashing in rewards

Gift cards

Convenience checks

Bottom line

1. Compare checking accounts before signing up

2. Learn about checking account fees and rewards

3. Track your checking account balance

4. Secure your account

5. Keep an eye out for debit card holds

6. Don’t let one mistake throw you off track

Whatâs your reason for using a credit card?