Credit card

Learn about the best Citi Custom Cash travel strategy and how everyday cardholders can use this card to level up their rewards game.

Read more about the card and available [Citi Custom Cash benefits](https://www.bankrate.com/finance/credit-cards/citi-custom-cash-benefits-guide/) before you decide for yourself. Plus, you can pair this card with a travel credit card from Citi in order to unlock a range of advanced travel redemptions. In this case, the Citi Custom Cash can help you earn rewards while giving you the chance to pay off your balance interest-free for a limited time. An example of a card you can pair with is the [Citi Premier® Card](https://www.bankrate.com/finance/credit-cards/reviews/citi-premier-card/), which is currently offering 60,000 points to new cardholders who spend at least $4,000 on purchases within three months of account opening. This means you can keep it for the long haul whether you’re traveling often or not, and that you’ll never have to justify its cost based on how much in rewards you earn and redeem. [“basic” ThankYou points](https://www.bankrate.com/finance/credit-cards/guide-to-basic-thankyou-points/), which cannot be transferred to travel partners for a potentially higher value. Most partners let you transfer points at a 1:1 ratio as well, with the exception of programs like Choice Privileges and Sears Shop Your Way. This lets you use your points to book certain types of travel directly, which can include flights, hotel stays and cruises, to name a few options. Read on to learn the best Citi Custom Cash travel strategy and how everyday cardholders can use this card to level up their rewards game. Now that you know you can get up to 5 percent back on various bonus categories, including travel, let’s turn your attention to the welcome bonus. Ultimately, this means you’ll get a whopping 5 percent back in whatever category you spend the most in provided it falls within an “eligible” spending category. [cash back](https://www.bankrate.com/finance/credit-cards/how-cash-back-works/) card, there are quite a few reasons frequent travelers also wind up signing up.

Laurentian Bank (the "Bank") is proud to announce the launch of a new line of credit cards. Starting today, retail customers can apply for a Laurentian Bank ...

The firm said in a Monday (Feb. 13) filing with the Securities and Exchange Commission (SEC) that the percentage of loans that were delinquent 30 or more days ...

[Robert Hochschild](https://www.linkedin.com/in/roger-hochschild-519a024/) said during the Oct. [PYMNTS Data: Why Consumers Are Trying Digital Wallets](https://www.pymnts.com/study/new-payment-options-digital-wallets-consumer-finance/) [auto loan delinquencies](https://www.pymnts.com/loans/2023/earnings-season-lifts-hood-on-auto-loan-delinquencies-paycheck-to-paycheck-pressures/) as well. [New Reality Check: The Paycheck-to-Paycheck Report: The Credit Edition](https://www.pymnts.com/study/reality-check-paycheck-to-paycheck-credit-scores-consumer-card-debt-inflation/),” a PYMNTS and [LendingClub](https://www.lendingclub.com/) collaboration. [credit card delinquency rates](https://www.pymnts.com/credit-cards/2022/credit-card-delinquency-data-hints-paycheck-pressures/) are on the rise, as evidenced by reports from banks and payment networks. [reported](https://seekingalpha.com/news/3935502-discover-financial-credit-card-delinquency-rate-in-january-reaches-prepandemic-level) Monday that the delinquency rate had reached pre-pandemic levels, as January’s rate was slightly worse than the 2.65% seen by Discover Financial in January 2020.

Credit cards are becoming increasingly useless in Venezuela because of high inflation and government restrictions, hurting people already struggling to meet ...

"With the limit on cards you can't even pay for lunch," said Gregorio Afonso, a 53-year-old university professor who has two local credit cards and an income of $20 monthly. It's the least likely to be given out," said economist Luis Arturo Barcenas, of analyst firm Ecoanalitica. The bolivars that they can put toward credit are going to other sectors" like businesses. "Often these credits weren't just for buying appliances, but also for day-to-day expenses." "My parents bought appliances and computers with their credit cards, but that's a memory for Venezuelans." Register for free to Reuters and know the full story

Three credit card bureaus — Experian, TransUnion, and Equifax — evaluate several factors to determine if you have a good credit score. These bureaus look for at ...

[how to get approved for a credit card](https://www.kiplinger.com/personal-finance/credit-cards/how-to-get-approved-for-a-credit-card-you-want). This will allow you to avoid expensive interest rates while [paying off credit card debt](https://www.kiplinger.com/personal-finance/credit-cards/how-to-pay-off-credit-card-debt). While opening multiple credit cards can be beneficial to your credit score, it can negatively affect your score if you don’t use the cards responsibly. If you think you may be tempted to spend too much with a higher credit limit, then be wary of opening up another card. How many credit cards should you have? Having multiple cards has pros and cons, depending on how you use them as a cardholder. However, make sure you remember to spend just enough on the card for it to remain active. [Equifax](https://www.equifax.com/personal/education/credit-cards/how-many-credit-cards-should-i-have/#:~:text=If%20your%20goal%20is%20to,types%20on%20your%20credit%20report.) (opens in new tab), for instance, recommends having at least two or three credit cards in addition to other types of credit, like a mortgage. If you’re a responsible cardholder, adding a new addition to your wallet could prove beneficial to your credit score. Having too many open lines of credit could be a bad thing for some cardholders. These bureaus look for at least two open “lines of credit,” including credit cards, mortgages, student loans, car loans, and other types of loans, to ensure that you can handle multiple budgeting and payment schedules. As a general rule of thumb, it’s recommended that your credit utilization remains below 30%.

Credit card collectors can wind up with a thick stack of plastic. But not every card needs to be carried every day. Read on for a personal example.

[gas rewards card](https://www.fool.com/the-ascent/credit-cards/best-gas-credit-cards/). [Read our full review](https://www.fool.com/the-ascent/credit-cards/landing/wells-fargo-reflect-review/?ftm_cam=ascent-pages&ftm_veh=ascent_pitch_wt&ftm_pit=9423) for free and apply in just 2 minutes. [this top balance transfer card](https://www.fool.com/the-ascent/credit-cards/landing/wells-fargo-reflect-review/?ftm_cam=ascent-pages&ftm_veh=ascent_pitch_wt&ftm_pit=9423) secures you a 0% intro APR for up to 21 months! And I've already written about [my thoughts on The Platinum Card® from American Express](/the-ascent/credit-cards/articles/what-its-really-like-owning-an-amex-platinum-card/). [metal cards](https://www.fool.com/the-ascent/credit-cards/best-metal-credit-card/) weigh a lot!). So, I love the [American Express® Gold Card](/the-ascent/credit-cards/american-express-gold-card-review/). And even though I [don't always use those credits](https://www.fool.com/the-ascent/credit-cards/articles/what-its-really-like-to-have-an-creditcard-slugamerican-express-gold-card-fieldoffer_name/) up, I get enough value out of the rewards to make up for any missed credits. In my opinion, these are the most valuable credit card points for booking [free travel](https://www.fool.com/the-ascent/credit-cards/travel-free-credit-card-points/), especially international travel. So the third slot in my wallet is a bit of a wild card (pun intended). [Save: This credit card has one of the longest intro 0% interest periods around](https://www.fool.com/the-ascent/credit-cards/landing/wells-fargo-reflect-review/?ftm_cam=articlecta-cc-art-sf-2-1-welref-int) [More: Save while you pay off debt with one of these top-rated balance transfer credit cards](https://www.fool.com/the-ascent/credit-cards/best-balance-transfer-credit-cards/?ftm_cam=articlecta-cc-art-sf-2-2-na-int) Or, perhaps folks who wonder what's the point of having a luxury travel card if I'm not going to flaunt it? I like to use this card for purchases that won't fit neatly into the bonus categories on my other cards.

A credit card is maxed out when the cardholder uses the entire credit limit. Find out what happens next and how this can affect your credit score.

If you overspend and can't pay off your balance, you'll have to [deal with credit card debt](https://www.fool.com/the-ascent/credit-cards/credit-card-debt/). [this top balance transfer card](https://www.fool.com/the-ascent/credit-cards/landing/wells-fargo-reflect-review/?ftm_cam=ascent-pages&ftm_veh=ascent_pitch_wt&ftm_pit=9423) secures you a 0% intro APR for up to 21 months! You'll be able to keep using your card, and you won't need to worry about your credit score or credit card debt. [Read our full review](https://www.fool.com/the-ascent/credit-cards/landing/wells-fargo-reflect-review/?ftm_cam=ascent-pages&ftm_veh=ascent_pitch_wt&ftm_pit=9423) for free and apply in just 2 minutes. The average amount of credit card debt held by consumers is over $5,000, according to recent [credit card debt statistics](https://www.fool.com/the-ascent/research/credit-card-debt-statistics/). One of the factors used to calculate it is your [credit utilization ratio](https://www.fool.com/the-ascent/credit-cards/what-is-credit-utilization-ratio/), or the amount of your credit that you're using. [credit cards](https://www.fool.com/the-ascent/credit-cards/), it's extremely important to be careful about your spending. If you max out a credit card, you'll have 100% credit utilization on that card. [credit score](https://www.fool.com/the-ascent/credit-score-guide/) is a measure of your creditworthiness. Maxing out a credit card occurs when you reach its credit limit. A popular guideline is to stay below 30% credit utilization. For example, if your card has a $5,000 credit limit and a $5,000 balance, then it's maxed out.

If your card issuer denies your credit card billing error dispute and you don't agree, you have some options.

In case the card issuer denies your dispute, you still have options. Send it by certified mail and ask for a return receipt so that you have proof that the issuer got your letter. The issuer will conduct an investigation and resolve the matter within 90 days of receiving your dispute notification. However, it should also note to the bureaus that you are disputing the billing error. If you don’t agree with the issuer’s findings, you can ask for documents that support the decision to deny your dispute. For instance, you may see a merchant name you don’t recognize and think it’s a billing error, but the merchant is simply billing under a different corporate name. While this can get costly, if they file a case that is resolved in your favor, you could be awarded damages and also have your attorney’s fees covered. For example, if the issuer may not find evidence that the transaction you disputed was unauthorized. You will also be notified about when you need to make your payment, including any interest that accumulated on the amount while it was in dispute. The issuer cannot consider the disputed amount to be delinquent. Everyone makes mistakes, but you don’t need to pay for a billing error. If that doesn’t work, your rights under the