Missing a credit card payment or making a late payment is never a good thing, and it can cause a lot of panic and stress for credit card users. However, if you act quickly and don’t ignore the issue, you may be able to minimize...
Making only the minimum payment on your credit card is still good for your credit. It keeps your account in good standing, and keeps you from accumulating late fees, but it doesn’t do much more. At Pivotal Wealth, we specialize in helping our clients become...
With all of the different ins and outs of credit and the complexities surrounding credit cards, many of us get confused and end up misinformed. Following incorrect advice could end up seriously hurting your credit score, and Pivotal Wealth wants to debunk some of those...
Sometimes it can be difficult to understand the difference between credit cards and debit cards, as the two are almost identical. It can also be difficult to discern when you should use a credit card or when to use a debit card instead. The way...
An emergency fund is one of the most important parts of a solid financial plan. Not only does an emergency fund offer you peace of mind, it can also prevent you from going any further into debt. At Pivotal Wealth, we specialize in getting people...
Getting into debt can be so easy, but getting out of debt is often painfully difficult. If you’ve found yourself trapped in a mountain of debt, you’re likely searching for any way to pay down your balance and get out of debt. Read on to...
If you find yourself falling behind on your bills, the debt collectors will likely come calling. Debt collectors are legally obligated to follow certain guidelines when collecting debts. Getting calls or a notice from a collections agency can be stressful, but if you know your...
When it comes to your financial life, your credit score is one of the most important factors. Banks use your credit score to determine whether or not you qualify for a credit card or loan. It can be used to determine whether or not you...
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